Hydr vs Kriya (Allica Bank): UK Invoice Finance Comparison 2026
See how Hydr compares to Kriya (Allica Bank) side by side, then get three tailored quotes to weigh alongside them. Free, no obligation, and nothing to pay if you decide not to proceed.
Start here: what fits your business?
Both are UK fintech finance platforms. They differ on selective per-invoice versus whole-ledger funding, integration depth and how pricing scales with use. Hydr advances up to 100% per invoice with setup typically in same day to 1 working day; Kriya (Allica Bank) advances up to 100% per invoice with setup typically in 1 working day. Neither sets a minimum turnover. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
Full reviews: Hydr · Kriya (Allica Bank)
| Hydr | Kriya (Allica Bank) | |
|---|---|---|
| Product type | Single-invoice finance (digital, selective) | Single-invoice finance, embedded finance |
| Min turnover | No minimum | No minimum |
| Advance rate | Up to 100% per invoice | Up to 100% per invoice |
| Typical fee | Flat fee per invoice financed | 1% to 4% per invoice |
| Confidential available? | Yes | Yes |
| Factoring available? | No | No |
| Setup speed | Same day to 1 working day | 1 working day |
| Last reviewed | 2026-05-27 | 2026-05-12 |
When Hydr wins
- Transparent flat fee per invoice, no whole-book contract.
- Same-day digital onboarding.
- Integrates with Xero and other accounting platforms.
- No minimum turnover; finance invoices selectively.
Best for
Selective single-invoice finance, Smaller and early-stage businesses, Xero-driven workflows.
Watch outs
- Selective single-invoice model, not whole-ledger factoring.
- Per-invoice fees can add up for high-volume users.
- Newer, smaller funder than incumbents.
When Kriya (Allica Bank) wins
- Pay-per-invoice model, no whole-book commitment.
- Setup in 1 working day, the fastest setup we track.
- 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
Hydr or Kriya (Allica Bank): which is the better fit for UK invoice finance in 2026?
Hydr is the stronger fit for selective single-invoice finance; Kriya (Allica Bank) fits single-invoice selective need better. The "when X wins" sections above break this down by profile, and the commercials are covered in the next question.
What are the headline commercials, Hydr vs Kriya (Allica Bank)?
Hydr advances up to 100% per invoice at flat fee per invoice financed. Kriya (Allica Bank) advances up to 100% per invoice at 1% to 4% per invoice. Neither sets a minimum turnover. Setup runs same day to 1 working day for Hydr and 1 working day for Kriya (Allica Bank).
Can I get a confidential facility with either Hydr or Kriya (Allica Bank)?
Hydr offers confidential invoice discounting (your customers are not notified). Kriya (Allica Bank) offers confidential invoice discounting (your customers are not notified).
Where does each one struggle?
Hydr is the wrong fit for high-volume whole-ledger users. 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 Hydr 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.
Related
Sources
- Rates, advance percentages and product details checked against Hydr's own site as of 2026-05-27.
- Rates, advance percentages and product details checked against Kriya (Allica Bank)'s own site as of 2026-05-12.
- Allica Bank press release: Allica Bank acquires fintech Kriya (completed 20 October 2025)
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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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How we make money: Market Invoice is an independent comparison service, not a lender. If you take a facility after we introduce you, the provider pays us a commission; you never pay us and it is never added to your costs. How we are funded.
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; larger facilities are commonly priced bespoke, so confirm terms directly with the provider before you sign.