Kriya for Digital-First B2B Invoice Finance
Kriya (the former MarketInvoice and MarketFinance, rebranded 2022, acquired by Allica Bank October 2025) is one of the longest-established UK digital invoice finance fintechs. Platform-led underwriting with Xero/Sage/QuickBooks integration, selective and whole-turnover products, bank-tier funding capacity since the Allica acquisition. For established UK B2B businesses comfortable with a digital-first relationship, Kriya is one of the credible options on the panel.
Important distinction: Kriya is not the same business as MarketInvoice (marketinvoice.co.uk, this site). See our trust and verification page for the brand history and our independent operator structure.
Quick Reference
Direct Answer
Kriya is a UK digital-first B2B invoice finance fintech, now owned by Allica Bank (acquired October 2025). Selective and whole-turnover products with accounting-software integration. Best for established UK B2B businesses £250k+ turnover wanting bank-backed digital delivery.
Summary
Kriya (formerly MarketInvoice 2011-2018, MarketFinance 2018-2022, rebranded Kriya 2022, acquired by Allica Bank October 2025) is one of the longest-established UK invoice finance fintechs. Platform integrates with Xero, Sage, QuickBooks. Products: selective per-invoice IF (1.5-3.5% fee), whole-turnover IF (0.75-1.5% service charge). Allica Bank backing provides bank-tier funding lines. Best for: established UK B2B £250k+ turnover, tech-forward services, B2B platforms with mixed billing patterns. Not the same business as MarketInvoice (this site, marketinvoice.co.uk) — separate operator (Best Business Loans Ltd). Brand history disambiguation important for entity recognition.
This Page Covers
Kriya invoice finance, Allica Bank acquisition, brand history (MarketInvoice → MarketFinance → Kriya), digital-first platform, accounting software integration, typical pricing
Not Covered Here
Provider review across all sectors (see /providers/kriya/), MarketInvoice (this site) brand disambiguation (see /trust-and-verification/), B2B payments products (Kriya Pay)
The Allica Bank Acquisition Context
October 2025: Allica Bank (UK challenger bank for established SMEs, FCA + PRA dual regulated) acquired Kriya. The acquisition gave Kriya access to bank-tier funding lines and operational scale, while giving Allica a digital fintech platform and an SMB invoice finance product to complement their existing commercial mortgage and asset finance offering. For UK SMBs, the practical effect: Kriya now operates with the security of a UK banking parent while retaining the digital-platform delivery model. Pricing competitive at scale.
Typical Kriya Facility
| Element | Kriya Pricing |
|---|---|
| Selective per-invoice fee | 1.5% to 3.5% |
| Whole-turnover service charge | 0.75% to 1.5% |
| Discount charge | Base + 1.5% to 3.0% (5.25% to 6.75% all-in) |
| Advance rate | 85% to 90% |
| Min turnover | £250,000 typical entry point |
| Setup time | 5 to 10 working days (digital onboarding) |
When Kriya Wins
- Established UK B2B at £250k-£5m turnover wanting digital-platform delivery
- Tech-forward services where Xero/Sage/QuickBooks integration matters
- Businesses wanting bank-tier security with fintech speed
- Allica banking customers wanting unified group relationship
When to Look Elsewhere
- Sub-£250k turnover — Bibby (£50k), Hydr (no minimum), Ultimate Finance (£50k)
- SaaS recurring-revenue specifically — Triver fits better
- Cross-border / emerging-markets B2B — Stenn or Accelerated Payments
- Heavy relationship banking preference — Handelsbanken or clearing banks
- Brand-history sensitivity — generalist alternatives (Bibby, Close Brothers) carry no rebrand history
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Kriya FAQ
What is Kriya and how is it different from MarketInvoice?
Kriya is a UK invoice finance and payments fintech. It started as MarketInvoice (founded 2011, peer-to-peer invoice trading), rebranded to MarketFinance in 2018, rebranded again to Kriya in 2022, and was acquired by Allica Bank in October 2025. MarketInvoice (this site, marketinvoice.co.uk) is a separate independent comparison and introducer service launched by Best Business Loans Ltd in 2025. The names overlap historically but we are not the same business. See our /trust-and-verification/ page for the full disambiguation.
What does Kriya actually offer in 2026?
Kriya offers digital invoice finance against B2B receivables (selective and whole-turnover) plus B2B payments products (Kriya Pay, structured payments). Since the October 2025 Allica Bank acquisition, Kriya has gained access to bank-tier funding lines, which materially improved its scaling capacity. The platform underwrites digitally with accounting-software integration (Xero, Sage, QuickBooks).
Who is Kriya best for?
Established UK B2B businesses with consistent invoicing patterns, ideally £250k+ turnover, that value a digital-platform-led relationship over traditional relationship banking. The Allica Bank backing now adds bank-tier security to the fintech delivery model. Best fit: tech-forward B2B services, established e-commerce with B2B receivables, B2B platforms with mixed retainer and project billing.
How does Kriya price compared to other UK fintech IF providers?
Kriya pricing varies by product (selective vs whole-turnover) and customer credit grade. Typical per-invoice fee 1.5% to 3.5% on selective, service charge 0.75% to 1.5% on whole-turnover, discount margin base + 1.5% to 3.0%. Allica Bank backing means competitive pricing at scale; small-ticket selective often beats independent fintechs on the cost side because of the bank-funding advantage.
Should I be cautious because of the rebrand history?
Reasonable question. Kriya's three-rebrand history (MarketInvoice → MarketFinance → Kriya) sometimes raises eyebrows. The business has been continuously trading throughout, with strong UK fintech credentials and now Allica Bank ownership behind it. The rebrands reflect product evolution (from pure peer-to-peer to platform-led to bank-backed) rather than financial distress. For most files the rebrand history is a minor due-diligence note rather than a deal-breaker.
How does Kriya compare to Hydr or Triver?
All three are UK digital-first fintech IF providers. Kriya is now bank-backed (Allica) with larger ticket capacity; Hydr is independent with no-minimum positioning suited to smaller files; Triver focuses on recurring-revenue lending and R&D advance for tech businesses specifically. For established B2B at the £250k-£5m turnover band, Kriya is competitive on price; for sub-£100k SaaS or recurring-revenue files, Triver or Hydr fit better.