Alternatives to Kriya (Allica Bank)
4 UK invoice finance alternatives to Kriya (Allica Bank), compared on advance rate, setup speed, transparency, minimum turnover and best-fit.
The leading UK invoice finance alternatives to Kriya (Allica Bank) are Sonovate, Bibby Financial Services, Aldermore Invoice Finance and Novuna Business Finance, compared here on advance rate, setup speed, minimum turnover and rating. More detail + scope
Summary
Kriya (Allica Bank) is benchmarked against 4 UK invoice finance alternatives: Sonovate, Bibby Financial Services, Aldermore Invoice Finance and Novuna Business Finance. Each is compared on product type, minimum turnover, advance rate, typical rate, setup speed and overall rating, so you can see which fits your turnover and how fast you need funding. MarketInvoice then matches you to the best-fit provider.
This page covers
UK invoice finance alternatives to Kriya (Allica Bank), compared on product type, minimum turnover, advance rate, typical rate, setup speed and rating
Not covered here
In-depth single-provider reviews (see /providers/), head-to-head comparisons (see /vs/), general invoice finance education (see /guides/)
Kriya (Allica Bank) vs the 4 alternatives
| Kriya (Allica Bank) | Sonovate | Bibby Financial Services | Aldermore Invoice Finance | Novuna Business Finance | |
|---|---|---|---|---|---|
| Product | Single-invoice finance, embedded finance | Recruitment-specialist invoice finance | Invoice finance (factoring, CID, ABL) | Invoice finance (Receivables Finance, factoring, CID) | Invoice finance, asset finance, vehicle finance |
| Cluster | fintech | recruitment-specialist | independent | independent | independent |
| Min turnover | No minimum | No minimum | £100k | £750k | £500k |
| Advance rate | Up to 100% per invoice | Up to 100% | Up to 90% | Up to 90% | Up to 90% |
| Typical rate | 1% to 4% per invoice | 2% to 4% blended (funding + back-office) | 0.5% to 3% service charge plus discount margin | 1% to 2.5% service charge | 1% to 2.5% service charge |
| Setup speed | 1 working day | 2 working days | 5 working days | 7 working days | 7 working days |
| Rating | 4.5 | 4.6 | 4.4 | 4.2 | 4.2 |
Sonovate
2 working days · Up to 100%UK market leader in recruitment-specialist invoice finance, £4.2bn funded across 3,300+ clients. Combines funding with back-office services (invoicing, credit control, payroll). 100% advance available with no PG common.
Bibby Financial Services
5 working days · Up to 90%The largest UK independent invoice finance provider by volume, family-owned, 40+ years in market. Strong on sector breadth (construction, recruitment, manufacturing, wholesale) and SME accessibility. Setup typically 5 wo
Aldermore Invoice Finance
7 working days · Up to 90%Challenger bank with a dedicated invoice finance arm, relaunched as Receivables Finance in 2025 with Growth Guarantee Scheme accreditation. Mid-cost mid-speed mainstream choice. Bibby acquired Aldermore Working Capital F
Novuna Business Finance
7 working days · Up to 90%Novuna Business Finance is a division of Mitsubishi HC Capital UK plc, formerly Hitachi Capital UK. Mid-market mainstream choice with strong asset finance cross-sell. Stable funding line via its parent group. Setup 7 day
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Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.
Last reviewed: 12 May 2026