Provider profile · 2026 edition
Kriya review 2026: scores, costs and alternatives.
A UK invoice finance and B2B pay-later provider, now owned by Allica Bank.
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A UK invoice finance and B2B pay-later provider, now owned by Allica Bank.
Kriya scores 2.9 out of 5 (58 out of 100) in the Buckingham Intelligence Trade Finance Index 2026 and ranks 6 of 14. It is strongest for UK exporters financing invoices to overseas buyers, and its best criterion is products at 4 out of 5. Not published or not stated on the pages read: published cost, facility size and tenor and who can apply.
Scores from the Trade Finance Index 2026.
No award in the Trade Finance Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For importers | 58 | 6 of 14 |
| For exporters | 60 | 5 of 14 |
| For wholesalers | 56 | 6 of 14 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
UK exporters financing invoices to overseas buyers.
What Kriya publishes on its own pages, read on 21 October 2026.
A UK invoice finance and B2B pay-later provider, now owned by Allica Bank. It finances exports to buyers in 45 or more countries in sterling, dollars and euros, funds within 24 hours and publishes several fixed fees, but not its interest rates.
| Fact | What the provider publishes |
|---|---|
| Legal status | 'Kriya Finance Limited', registered in England and Wales (No. 07330525), 'supervised by the Financial Conduct Authority for anti-money laundering purposes' (FCA reference no: 750199). The site states 'Allica Bank acquired Kriya in 2026' and 'As of October 2025, Kriya is now owned by Allica Bank'. |
| Products | Kriya Invoice Finance ('Finance your exports in 45+ countries', credit in 'Sterling, US Dollars, Euros, Australian Dollars, and more'); Kriya PayLater (payment terms for business buyers, advance funded within 24 hours); business loans; embedded PayLater for platforms. |
| Published cost | PayLater: fixed interest fees on payment terms, a monthly minimum utilisation fee, a £15 listing fee per advance and a £1,000 annual portal licence fee. Invoice Finance: variable interest accruing daily, a monthly subscription and a GBP 15 listing fee per trade. Interest rates not published. Late fees from 1.5% (PayLater) and up to 10% of the overdue balance (Invoice Finance). |
| Facility size and tenor | 'Get up to 90% of your invoice funded within 24 hours.' Facility sizes not published. Buyer terms of 30, 60 and 90 days shown. |
| Speed | Buyer credit checks 'instant'; invoices funded 'within 24 hours' of upload; PayLater '24 hour committed funding'. |
| Who can apply | Invoice Finance: businesses 'that have been trading for a minimum of 12 months' that 'have submitted at least one set of financial accounts' (FAQ: three months minimum for PayLater). Limited companies, LLPs, limited partnerships and sole traders. UK registration implied, not stated. Personal guarantee not mentioned; 'Security required' shown for both products. |
| Funding and history | Invoice Finance described as 'Investor driven funding' with 'No guaranteed capital'; PayLater 'On-demand funding'. Owned by Allica Bank. |
| Date read | 21 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 21 October 2026 from: kriya.co/solutions/invoice-finance, kriya.co/solutions/paylater-invoice-finance, kriya.co/faq, kriya.co.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Trade Finance Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Wayflyer | 3.9 | 1 of 14 | Inventory funding for brands and wholesalers |
| Settle | 3.2 | 2 of 14 | US consumer brands extending supplier terms to 180 days |
| Ebury | 3.2 | 3 of 14 | Unsecured import finance with FX in one account |
| HSBC Hong Kong | 3.1 | 4 of 14 | Asian traders needing letters of credit and trade loans |
| Virgin Money (Nationwide) | 3.0 | 5 of 14 | UK exporters using a UK Export Finance backed facility |
| Funding Societies | 2.7 | 7 of 14 | Singapore SMEs paying overseas suppliers |
| Tradewind Finance | 2.4 | 8 of 14 | Export factoring with credit protection |
| Credlix | 2.3 | 9 of 14 | Indian exporters selling to the US and Europe |
| Drip Capital | 2.3 | 10 of 14 | Unsecured supplier payment terms for US importers |
| Clearco | 2.0 | 11 of 14 | US e-commerce brands paying overseas suppliers' invoices |
| Bibby Financial Services | 2.0 | 12 of 14 | UK exporters wanting invoice finance with bad debt cover |
| 8fig | 2.0 | 13 of 14 | Online sellers funding inventory and supply chain costs |
| NatWest | 1.4 | 14 of 14 | UK businesses wanting a full bank trade finance range |
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Kriya is compared with its alternatives in the table above.
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