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invoice finance

Turn unpaid invoices into instant capital

Bridge cash flow gaps and invest in your growth with flexible invoice finance.

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Launched in 2012
£28bn+ payments processed
£3.7bn+ credit advanced
Kriya offers Embedded PayLater, Invoice Finance and Working Capital Loans
Launched in 2012  |  £28bn+ payments processed  |  £3.2bn+ loans advanced
Get paid sooner

Take control of your cash flow and advance the funds owed to you from outstanding invoices

Upload invoices

No waiting. Get your buyers approved  & receive up to 90% of your invoice within 24 hours.

Access funding

Go beyond your business credit limit. Tap into instant buyer spending limits.

Transparent pricing

No hidden fees or contracts. You only pay when you finance an invoice.

60%

Of businesses utilising invoice finance see operational expansion within their first year.

Sign larger orders with bigger buyers
Invest in business growth and hiring
Pay your supply chain faster
Cover payroll and fixed costs
Free your team from chasing invoices
Unlock better supplier deals
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Partnering with industry leading brands
invoice finance
How it works
Order placed

Your buyer places an order using Kriya PayLater

Buyer authentication

Kriya runs instant buyer authentication, then provides a spending limit

Payment terms

Your buyer chooses their payment terms to complete the order.

Order delivered

When your order is delivered Kriya pays you in full.

Hands off collection

Kriya takes on the risk and handles payment collection when due.

Upload the invoice to Kriya’s Merchant portal

Include your customer’s company information

Buyer authenticated, invoice approved

Kriya runs an instant credit check on your buyer and allocates a buyer limit

Enter expected payment terms

Get an advance of up to 90% within 24 hours – Kriya’s fees are transparent

Funded within 24 hours

When your order is delivered Kriya pays you in full.

Your buyer pays

You get paid into your Kriya trust account. You are fully in control of collections and your buyer won’t hear from us.

We reconcile & complete the transaction

Once the invoice is paid, we’ll reconcile and send you the balance of the invoice. Track your invoices and reconcile with our accounting integrations.

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Success stories
Merchants who are making the most of invoice finance
invoice finance
invoice finance
Managing cashflow to scale revenue to £20m+ in 2.5 years

Kriya's Invoice Financing enabled Amber Labs to close larger contracts with enterprise and Government clients while maintaining liquidity

invoice finance

“Kriya has been vital in supporting our ambitious growth strategy, offering flexible financial solutions that not only aligned with but strengthened our expansion efforts. Always ready to get on the phone to collaborate, the Kriya team has proven to be a trusted and reliable partner in our journey.”

Sebastien Payet
CEO,
Amber Labs
Enabling big deals with key buyers

Northern Monk can draw down finance against large wholesale orders, and focus on scaling to £20m+ in revenue

invoice finance

“Kriya has been a great help to Northern Monk as we’ve scaled operations and started to sell across several different sales channels. It can be tricky to have an ambitious growth plan and manage cash flow with large end supermarket clients, but having Kriya on your side means you can keep business flowing and take on more contracts with confidence.”

Chris Harrison
CFO,
Northern Monk
Finance your exports in 45+ countries
Grow your business internationally and at home. 
Credit with Kriya is available in Sterling, US Dollars, Euros, Australian Dollars, and more.
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What to expect on the call
1
A discovery call about your goals & requirements
2
Insights into how Kriya's suite of products can help you
3
Time for questions, and to scope our partnership

If we find good fit, we'll move fast to dig deeper and provide you with indicative terms and pricing. Otherwise we'll refer you to a trusted partner — no strings attached

“Being able to offer flexible payment terms to our B2B customers underpins our market offering. We want to invest in modernising the checkout process and we’re excited to work with Kriya to digitise and provide flexible payment terms to a much wider range of trade customers.”

Anthony Caie
Director of B2B & Services
|
Halfords