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Kriya | B2B PayLater | Invoice Finance | Working Capital Loans

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Allica Bank acquires Kriya: Our announcement ->

Solutions

embedded paylater

Offer flexible payment terms to your buyers

Sign up more buyers and boost conversion across all your sales channels

invoice finance

Draw down funds against your trade invoices

Bridge cash flow gaps and invest in your growth with flexible invoice finance.

working capital loans

Borrow to buy inventory, and us pay back later

Stay liquid with working capital loans, keep your business flowing brilliantly.

Buyer Authentication

Get customers into your system faster and more securely.

**Offline Payments**

Create orders and offer flexible trade credit across all your B2B sales channels

**Kriya on Stripe**

Add flexible payment terms to your Stripe checkout

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Find out how we help our community keep business flowing brilliantly

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Your Invoice Finance Merchant Portal.

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Your PayLater Merchant Portal.

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For TermLoans customers.

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Use Kriya's suite of financial tools

# Unlock payments and credit for you & your buyers

We’re here to power your growth, increase your sales, and securely scale your buyer base

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Launched in 2012

£4bn+ credit advanced

Part of Allica Bank

Launched in 2012  |  £28bn+ payments processed  |  £3.2bn+ loans advanced

Get started today

Select a Kriya solution

embedded paylater

### Offer flexible B2B payment terms to your buyers

Sign up more buyers and boost conversion across all your sales channels

Learn more

invoice finance

### Draw down funds against your trade invoices

Bridge cash flow gaps and invest in your growth with flexible invoice finance

Learn more

working capital loans

### Borrow to buy inventory, and pay us back later

Draw down Kriya Working Capital Loans and Lines of Credit - stay liquid and keep your business flowing brilliantly

Learn more

Keeping business flowing brilliantly

Kriya's promise

If we can't help you, we'll do our best to refer you to a trusted partner that can — no strings attached

Book a consultation call

Partnering with industry leading brands

Success stories

Learn how your peers are getting ahead with Kriya’s financial tools

embedded paylater

invoice finance

working capital loans

+136% Uplift in Average Order Volume

Through Kriya's Embedded PayLater, Halfords saw an increase in B2B purchase frequency and order size, both online and offline.

embedded paylater

“We work with sole traders, business customers and government entities. Kriya is the only supplier that could support all three. We expect our B2B revenues to increase as a result of providing Kriya’s flexible payment terms to our trade and business buyers.”

Stuart Zissman

Head of Financial Services,

Halfords

View Embedded Paylater

Enabling big deals with key buyers

Northern Monk can draw down finance against large wholesale orders, and focus on scaling to £20m+ in revenue

invoice finance

“Kriya has been a great help to Northern Monk as we’ve scaled operations and started to sell across several different sales channels. It can be tricky to have an ambitious growth plan and manage cash flow with large end supermarket clients, but having Kriya on your side means you can keep business flowing and take on more contracts with confidence.”

Chris Harrison

CFO

|

Northern Monk

View Invoice Finance

Buy Stock Now, Pay Later

By using a Kriya Working Capital Loan, Fathers Farm Foods was able to make larger purchases at better wholesale prices, increasing their profit margin by 10% for the year.

working capital loans

Fathers Farm Foods used a Kriya Working Capital Loan to buy the inputs required to manufacture their unique Tree Nuts, Dried Fruit, Beans and Pulses. This family run business aims to deliver their products straight from the Farmer’s Land to the Customer’s Hand.

View Working Capital Loans

Grow your business, improve your cash flow, and scale your buyer base

embedded paylater

82%

Of B2B buyers would pick a supplier because it offered 30, 60 or 90 day payment terms at checkout.

Exceed expectations by offering PayLater options in your checkouts, both on and offline.

Learn more

invoice finance

60%

Of businesses utilising invoice finance see operational expansion within their first year.

If you offer longer payment terms to your customers, they're more likely to place larger orders with you.

Learn more

working capital loans

29%

Of businesses fail due to a lack of working capital.

We understand the financial challenges of growing rapidly — stay ahead and keep your cash flow liquid with Kriya's on-demand loans.

Learn more

Allica Bank acquires Kriya

As part of Allica Bank, the UK's fasest growing digital bank, Kriya gains access to scalable funding and a better cost of capital, enabling us to finance more businesses and larger facilities. Together, we aim to deploy £1 billion in working-capital finance over the next three years.

Learn how the deal benefits you

Allica Bank acquires Kriya

As of October 2025, Kriya is now owned by Allica Bank, the UK's fastest growing business bank. This means Kriya can access more funding and offer more products to businesses.

Over the next three years, together we aim to deploy £1 billion in funding to businesses across the UK and Europe.

Learn how the deal benefits you

Book a call

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What to expect on the call

1

A discovery call about your goals & requirements

2

Insights into how Kriya's suite of products can help you

3

Time for questions, and to scope our partnership

If we find good fit, we'll move fast to dig deeper and provide you with indicative terms and pricing. Otherwise we'll refer you to a trusted partner — no strings attached

“Being able to offer flexible payment terms to our B2B customers underpins our market offering. We want to invest in modernising the checkout process and we’re excited to work with Kriya to digitise and provide flexible payment terms to a much wider range of trade customers.”

Anthony Caie

Director of B2B & Services

|

Halfords Multichannel Trade Credit

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Kriya Finance Limited is supervised by the Financial Conduct Authority for anti-money laundering purposes (FCA reference no: 750199)

Kriya Finance Limited is a company registered in England and Wales (No. 07330525)

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