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

Advance rateUp to 90%
Total processed£4bn+
ProductsSelective & whole
ParentAllica Bank
TypeFintech

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.

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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Kriya Invoice Finance FAQ

Is Kriya the same as MarketInvoice?

Yes. MarketInvoice rebranded to Kriya in 2022. The company was then acquired by Allica Bank in October 2025. The invoice finance product continues to operate under the Kriya brand within the Allica Bank group.

Does Kriya offer selective invoice finance?

Yes. Kriya is one of the few providers offering genuine selective invoice finance, where you choose which invoices to fund rather than committing your entire sales ledger. They also offer whole-ledger facilities for businesses that prefer ongoing funding.

What happened when Allica Bank acquired Kriya?

Allica Bank completed its acquisition of Kriya in October 2025. Kriya's invoice finance platform continues to operate, now backed by Allica Bank's balance sheet. This gives Kriya stronger funding capacity while maintaining their technology-led approach.