Hydr Invoice Finance Review

Hydr is a Manchester-based fintech that takes a different approach to invoice finance. Instead of advancing 80-90% and holding a retention, Hydr pays 100% of the invoice value minus a fixed, transparent fee within 24 hours. With direct integrations into Xero, QuickBooks, Sage 200, and FreeAgent, they offer a streamlined, modern experience that removes much of the complexity of traditional invoice finance.

Hydr is a Manchester-based fintech that pays 100% of invoice value minus a fixed transparent fee within 24 hours, with no retention. It integrates directly with Xero, QuickBooks, Sage 200 and FreeAgent. More detail + scope

Summary

Hydr is a Manchester fintech that pays 100% of invoice value minus a fixed, transparent fee within 24 hours, rather than advancing 80 to 90% and holding a retention. It integrates directly with Xero, QuickBooks, Sage 200 and FreeAgent for a streamlined, modern experience that removes much of the complexity of traditional invoice finance.

This page covers

Hydr 100%-minus-fee model, 24-hour funding speed, fixed fee structure and accounting integrations

Not covered here

Traditional whole-ledger factoring (see /providers/), general invoice finance education (see /guides/), sector pages (see /industries/)

Key Facts

Advance rate100% minus fee
Funding speedWithin 24 hours
Fee structureFixed per invoice
IntegrationsXero, QB, Sage, FA
TypeFintech

Pros and Cons

Strengths

  • 100% of invoice value paid (no retention holdback)
  • Fixed, transparent fee structure with no surprises
  • Direct accounting software integrations
  • Simple, modern user experience

Limitations

  • Newer provider with a shorter track record
  • Smaller operation compared to established lenders
  • May not suit businesses needing large facilities

Our Verdict

Hydr's 100% advance model and fixed fee structure make it one of the most transparent invoice finance options available. The accounting software integrations reduce admin significantly, and the 24-hour funding is competitive. As a newer, smaller provider, they may not suit businesses needing very large facilities, but for SMEs who value simplicity and transparency, Hydr is well worth considering.

OM

Oliver Mackman

Director, Market Invoice

Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.

Last reviewed: 7 April 2026

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Hydr Invoice Finance FAQ

Does Hydr really pay 100% of the invoice value?

Yes. Hydr pays 100% of the approved invoice value minus a fixed, transparent fee. Unlike traditional providers who advance 80-90% and release the balance later, Hydr pays the full amount upfront in a single payment within 24 hours.

What accounting software does Hydr integrate with?

Hydr integrates directly with Xero, QuickBooks, Sage 200, and FreeAgent. This means invoices can be synced automatically without manual data entry, reducing admin and speeding up the funding process.

How does Hydr's fee structure work?

Hydr charges a fixed, transparent fee per invoice rather than the typical combination of service charge plus discount charge used by traditional providers. This makes it easy to calculate exactly what you will pay before funding each invoice.