Kriya Invoice Finance Review
Kriya (formerly MarketInvoice) is a fintech invoice finance provider now part of Allica Bank following its acquisition in October 2025. Having processed over £4 billion in invoices, Kriya offers both selective and whole-ledger invoice finance with advance rates up to 90%. Their technology-driven platform, now backed by Allica Bank's balance sheet, provides a modern alternative to traditional bank facilities.
Kriya (formerly MarketInvoice) is a fintech invoice finance provider now part of Allica Bank following its October 2025 acquisition. It has processed over £4 billion in invoices and offers advance rates up to 90%. More detail + scope
Summary
Kriya, formerly MarketInvoice, is a fintech invoice finance provider now part of Allica Bank following its acquisition in October 2025. It has processed over £4 billion in invoices and offers both selective and whole-ledger finance with advance rates up to 90%. Its technology-driven platform, now backed by Allica Bank's balance sheet, is a modern alternative to traditional bank facilities.
This page covers
Kriya selective and whole-ledger invoice finance, advance rate, volume processed and the Allica Bank acquisition
Not covered here
General invoice finance education (see /guides/), sector pages (see /industries/), the full provider directory (see /providers/)
Key Facts
Pros and Cons
Strengths
- Genuine selective invoice finance option
- Technology-driven platform with fast onboarding
- Now backed by Allica Bank's balance sheet
- Over £4bn processed with strong track record
Limitations
- Recent acquisition means product direction may evolve
- Selective finance costs more per invoice than whole-ledger
- Less personal relationship management than traditional providers
Our Verdict
Kriya remains a strong option for businesses wanting a modern, technology-led invoice finance experience, particularly those who value selective funding. The Allica Bank acquisition adds financial stability, though it remains to be seen how the product evolves under new ownership. For businesses wanting traditional relationship-led service, Close Brothers or Aldermore may be more suitable.
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.
Last reviewed: 1 June 2026