Capitalise vs Kriya (Allica Bank): UK Invoice Finance Comparison 2026
These are different products rather than like-for-like invoice finance rivals: Capitalise is funding platform via accountants (broker), while Kriya (Allica Bank) is invoice finance. UK businesses still weigh them side by side, so the real question is which job you need doing, not which is the better invoice finance line. Capitalise advances up to 90% (funder dependent) with setup typically in 3 to 10 working days; Kriya (Allica Bank) advances up to 100% per invoice with setup in 1 working day. Capitalise sets minimum turnover per funder, Kriya (Allica Bank) has no minimum turnover. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
Full reviews: Capitalise · Kriya (Allica Bank)
| Capitalise | Kriya (Allica Bank) | |
|---|---|---|
| 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 | Not a direct invoice finance facility | Confidential discounting |
| Confidential available? | N/A | Yes |
| Factoring available? | N/A | 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 |
| 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 fit for UK invoice finance in 2026?
Capitalise is the stronger fit for businesses whose accountant arranges funding (minimum turnover set per funder, setup 3 to 10 working days); Kriya (Allica Bank) fits single-invoice selective need better (no minimum turnover, setup 1 working day). The "when X wins" sections above break this down by profile.
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. Capitalise sets minimum turnover per funder, Kriya (Allica Bank) has no minimum turnover. 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 is funding platform via accountants (broker), not an invoice finance facility, so confidential invoice discounting does not apply. Kriya (Allica Bank) offers confidential invoice discounting (your customers are not notified).
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. marketinvoice.co.uk is an independent comparison and introducer service operated by Best Business Loans Ltd (company 16833937), and is not tied to either provider. Share your turnover, sector and debtor profile and we will match you against UK invoice finance providers likely to approve, with no obligation to proceed.
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Get quotes →Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-05-27. Editorial by Best Business Loans Ltd (16833937).
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Disclosure: marketinvoice.co.uk is an independent invoice finance comparison and introducer service operated by Best Business Loans Ltd (company number 16833937). It is a separate business and is not connected to MarketFinance / Kriya or to any provider named on this page. If you take out a facility after we introduce you to a lender or broker, we may be paid a commission or referral fee by that party; this is never added to your costs. Invoice finance for limited companies is not a regulated activity, so this comparison is general information rather than regulated financial advice. Figures are indicative and commonly negotiated above ~£1m ledger, so confirm terms directly with the provider before you sign.