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Get my 3 quotes →Market Invoice compares the UK providers that fit this need, and you can get 3 free quotes through eCapital, our introduction partner. SaaS and B2B tech businesses typically have a concentrated B2B customer base and lumpy annual or quarterly billing rather than continuous receivables, a poor fit for whole-ledger invoice finance. The digital-first, selective options are Hydr (flat fee per invoice, full value paid minus the fee), Triver (0.06% a day, advances to £100,000) and Kriya (up to 90% advance, 1% to 4% per invoice). All three fund individual invoices with no minimum turnover and no whole-ledger commitment.
Hydr, Triver and Kriya are the UK's digital-first selective invoice finance providers, suited to SaaS and B2B tech businesses with concentrated customer bases and lumpy billing. None publishes a minimum turnover. Hydr charges a flat fee per invoice; Triver charges 0.06% a day; Kriya advances up to 90% for 1% to 4% per invoice. More detail + scope
This page covers
Selective invoice finance for SaaS, tech and digital-first B2B businesses: Hydr, Triver and Kriya compared on pricing, advance rate, minimum turnover and setup speed
Not covered here
Provider review across all sectors (see /providers/hydr/ and /providers/triver/), recurring-revenue/subscription lending (see /best/saas-receivables-finance/), whole-ledger facilities for established SaaS
Why SaaS and Tech Need a Different Model
SaaS and B2B tech have a distinctive receivables profile: a small number of named B2B customers, often blue-chip; lumpy billing (annual contracts paid quarterly or in full); receivables sometimes paid promptly on net-30 terms, sometimes stretched to 60-90 days by enterprise procurement; and often a cross-border element where a UK-based business sells into EU or US enterprise. Generalist UK invoice finance models assume continuous receivables flow and material monthly turnover, neither of which fits early SaaS.
Selective, per-invoice providers avoid this mismatch: you fund the specific invoices that need funding and leave the rest, with no monthly minimum service charge punishing slow months. All three below plug into cloud accounting software, so submitting an invoice takes minutes.
How They Compare
| Element | Hydr | Triver | Kriya |
|---|---|---|---|
| Pricing | One fixed fee per invoice | 0.06% a day (~1.8% on 30 days) | 1% to 4% per invoice |
| Advance rate | Full invoice value minus fee | Full advance amount chosen | Up to 90% |
| Facility size | No stated cap | £100 to £100,000 per advance; £1m total | Not published |
| Min turnover | No formal floor | No formal floor | No formal floor |
| Setup speed | Digital onboarding, funded within 24 hours once live | Digital onboarding, minutes to fund once live | Around 1 working day |
Kriya figures are Kriya's own published terms, not independently verified by Market Invoice. Official site: kriya.co.
When Hydr Wins
- Early-stage SaaS below the published floors at whole-ledger providers
- Annual contract billing rather than continuous monthly receivables
- Already on Xero, QuickBooks, Sage or FreeAgent
- Founders wanting a flat, predictable fee per invoice rather than a daily rate
When Triver Wins
- Tech or SaaS businesses with a few large B2B invoices on 30 to 120 day terms
- Advances between £100 and £100,000 that don't need Hydr's flat-fee structure
- Firms already on Xero, QuickBooks or Sage
- Founders wanting to smooth cash flow between equity rounds without dilution
When to Look Elsewhere
- Pre-revenue tech with no invoices, or borrowing against an HMRC R&D claim: separate products from specialist lenders, or SEIS/EIS equity routes
- Established SaaS with £500k+ ARR: whole-turnover via Bibby may be cheaper per pound
- US or EU enterprise customer concentration: get a quote from a provider that explicitly publishes cross-border funding, such as Accelerated Payments
- Single invoices above £100,000, or funding the whole ledger: a whole-turnover facility is likely cheaper per pound
- Recurring subscription revenue rather than invoiced receivables: see our SaaS receivables finance page instead
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SaaS and Tech Invoice Finance FAQ
Why do SaaS and tech businesses need a different kind of invoice finance?
SaaS and B2B tech have a distinctive receivables profile: a small number of named B2B customers, often blue-chip; lumpy billing (annual contracts paid quarterly or in full) rather than continuous monthly receivables; and payment terms that can stretch to 60-90 days under enterprise procurement. Generalist whole-ledger invoice finance assumes continuous receivables flow and material monthly turnover, neither of which fits early SaaS. Selective, per-invoice providers avoid that mismatch.
What's the minimum turnover for Hydr, Triver or Kriya?
None of the three publishes a formal minimum turnover. All underwrite on the customer's credit quality and the specific invoice rather than the borrower's turnover history, which is why they suit early-stage SaaS below the published floors at whole-ledger providers (Skipton £100k, Close Brothers and Aldermore £750k).
How does Hydr's pricing work?
Hydr charges one fixed fee per invoice, quoted before you choose to fund it, and pays the full invoice value minus that fee, usually within 24 hours. Its own calculator example shows a £118.50 fee on a £3,000 invoice (about 4%); your quote depends on the invoice and customer.
How does Triver's pricing work?
Triver publishes one fee per advance: 0.06% a day, about 1.8% on a 30-day invoice, with a minimum charge of 10 days' fees (at least £18). Advances run from £100 to £100,000 within a total facility of up to £1 million.
What does Kriya offer for SaaS and tech?
Kriya is a UK fintech offering single-invoice finance with no published minimum turnover, advances of up to 90%, a typical fee of 1% to 4% per invoice, and setup in around 1 working day. It also offers embedded finance integrations with accounting platforms.
Does any of the three fund European or US SaaS customers?
None of the three publishes a clear position on funding overseas customers in their public FAQs, so confirm directly before relying on it. If most of your enterprise customers are outside the UK, also get a quote from a provider that explicitly publishes export or cross-border funding, such as Accelerated Payments.
Can a pre-revenue tech business use any of these?
No. All three fund unpaid B2B invoices, so you need invoices already raised to creditworthy customers. For pre-revenue tech, Start Up Loans, SEIS/EIS equity routes, or borrowing against an HMRC R&D tax credit claim are more realistic; see our /specialty-finance/ page for the routing across all options.