Capitalise vs Kriya (Allica Bank): UK Invoice Finance Comparison 2026
Kriya (Allica Bank) edges this one in our 2026 UK review at 4.5 of 5 against 4.0 for Capitalise. Both are UK fintech invoice finance platforms. The difference is selective per-invoice vs whole-ledger, integration depth and how the pricing scales with usage. Capitalise advances up to 90% (funder dependent) with setup in 3 to 10 working days; Kriya (Allica Bank) advances up to 100% per invoice with setup in 1 working day. Capitalise still wins where businesses whose accountant arranges funding matters more than the headline score. Read the side-by-side, then check the "when X wins" sections for the buyer-fit logic.
Side-by-side
| Capitalise | Kriya (Allica Bank) | |
|---|---|---|
| Cluster | fintech | fintech |
| Product type | Funding platform via accountants (broker) | Single-invoice finance, embedded finance |
| Min turnover | Varies by funder | No minimum |
| Advance rate | Up to 90% (funder dependent) | Up to 100% per invoice |
| Typical fee | Funder rates via platform matching | 1% to 4% per invoice |
| Contract / commitment | Whole-ledger or selective | Confidential discounting |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | No |
| Setup speed | 3 to 10 working days | 1 working day |
| Best for | Businesses whose accountant arranges funding; Owners wanting credit monitoring too; Comparison-led buyers | Single-invoice selective need; Startup and micro-business; API-driven workflows |
| Overall rating | 4.0 / 5 | 4.5 / 5 |
| Last reviewed | 2026-05-27 | 2026-05-12 |
When Capitalise wins
- Accountant-led funding platform with a large lender panel.
- Adds debtor monitoring and company credit tools.
- Routes invoice finance alongside loans and asset finance.
- Strong fit when your accountant manages the process.
Best for
Businesses whose accountant arranges funding, Owners wanting credit monitoring too, Comparison-led buyers.
Watch outs
- A platform and broker, not a direct lender.
- Best accessed via a partner accountant.
- Terms and underwriting set by the matched funder.
When Kriya (Allica Bank) wins
- Pay-per-invoice model, no whole-book commitment.
- Setup in 1 working day, fastest in market.
- API-first integrations with Xero, QuickBooks, Sage.
- Allica Bank backing post-acquisition Oct 2025.
Best for
Single-invoice selective need, Startup and micro-business, API-driven workflows.
Watch outs
- Cost-per-invoice can exceed whole-ledger facility for high-volume users.
- Not suitable for businesses wanting committed whole-book limit.
- Limited human relationship vs incumbent IF lenders.
FAQ
Capitalise or Kriya (Allica Bank): which is the better UK invoice finance provider in 2026?
Kriya (Allica Bank) scores higher overall in our 2026 review at 4.5 of 5 versus 4.0 for Capitalise. That headline does not settle the answer though. Capitalise is the stronger pick for businesses whose accountant arranges funding; Kriya (Allica Bank) is the stronger pick for single-invoice selective need. If your business fits one of those use cases, ignore the rating and pick the right fit.
What are the headline commercials, Capitalise vs Kriya (Allica Bank)?
Capitalise advances up to 90% (funder dependent) at funder rates via platform matching. Kriya (Allica Bank) advances up to 100% per invoice at 1% to 4% per invoice. Minimum turnover is Varies by funder for Capitalise and No minimum for Kriya (Allica Bank). Setup runs 3 to 10 working days for Capitalise and 1 working day for Kriya (Allica Bank). Bespoke pricing is common above £1m ledger so verify before signing.
Can I get a confidential facility with either Capitalise or Kriya (Allica Bank)?
Capitalise offers confidential invoice discounting (your customers are not notified). Kriya (Allica Bank) offers confidential invoice discounting. If your customer relationships make disclosure a non-starter, that determines the answer regardless of headline rate.
Where does each one struggle?
Capitalise is the wrong fit for direct-to-lender applicants. Kriya (Allica Bank) is the wrong fit for high-volume whole-ledger users. If either describes your business, browse the side-by-side or get matched against the wider UK panel via our quote form.
Can Market Invoice help me choose between Capitalise and Kriya (Allica Bank)?
Yes. We are an independent UK invoice finance comparison operated by Best Business Loans Ltd (16833937). We are not tied to either provider. Tell us monthly turnover, sector, debtor profile and whether you need the facility confidential. We match you against the UK invoice finance providers most likely to approve at a competitive rate, then stay your editorial reference for life.
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Get quotes →Reviewed by Oliver Mackman, Director. Last reviewed: 2026-05-27. Editorial by Best Business Loans Ltd (16833937).