Kriya
London invoice finance and business loans, now owned by Allica Bank
Quick Overview
| Company | Kriya Finance Limited |
|---|---|
| Category | Business Lending Platforms |
| Headquarters | London, United Kingdom |
| Founded | Not stated |
| EU Presence | Yes - United Kingdom (FCA supervised for anti-money laundering) |
| Data Location | not stated on the pages we read |
| Open Source | No |
| GDPR Compliant | Yes |
| Self-Hosting | No |
| Main Features | Invoice finance, business loans, embedded finance, Growth Guarantee Scheme loans up to GBP 2m, export finance, Kriya on Stripe |
| Pricing | not shown on the pages we read |
| Best For | UK businesses that finance trade invoices or buy stock and want a lender backed by a UK bank |
| Replaces | BlueVine Invoice Factoring, BlueVine Term Loan |
Detailed Review
Kriya Finance Limited is registered in England and Wales under company number 07330525 at 4-5th Floor, 15 Worship Street, London. The terms state that Kriya Finance Limited is supervised by the Financial Conduct Authority for anti-money laundering purposes under reference 750199.
The Kriya homepage states that Allica Bank acquired Kriya in 2025. Kriya lists invoice finance, business loans, embedded finance, export finance and loans under the Growth Guarantee Scheme.
Invoice finance and loans at Kriya
Kriya describes invoice finance as drawing funds against trade invoices. Its business loans are described as borrowing to buy inventory and paying back later.
Kriya also lists finance for UK exporters that sell abroad, aimed at terms closer to those available at home.
Growth Guarantee Scheme and embedded finance
Kriya states that Growth Guarantee Scheme loans reach up to GBP 2m with a government guarantee. The page presents this as lending that lets Kriya fund more growing UK businesses.
Kriya's embedded finance lets buyers pay later and suppliers get paid early, and the site lists Kriya on Stripe for flexible payment terms at checkout.
Kriya as a European alternative to BlueVine
Kriya is a UK invoice finance company under English law, where Bluevine Inc. relies on California law and US lending partners. Kriya states that Allica Bank, a UK bank, is its owner.
BlueVine bundles checking, payments and bill pay. Kriya stays with finance products and has three separate customer logins.
Limitations to Consider
The pages we read show no rates, fees or advance percentages for any Kriya product. The three customer logins (Invoice Finance, PayLater, TermLoans) suggest separate portals rather than one account. Ownership by Allica Bank is taken from Kriya's own homepage banner. Compare Defacto for invoice-based financing in France.
Who Should Use Kriya
UK limited companies that sell on invoice terms, import or export goods, or want a government-guaranteed loan.
Pros and Cons
Pros
- Invoice finance, loans and export finance in one provider
- Growth Guarantee Scheme loans up to GBP 2m, per the site
- Company number and FCA anti-money-laundering reference published
- Embedded option for buyers and suppliers
- Owned by a UK bank, per its homepage
Cons
- No rates or fees in the text we read
- Three separate customer portals
- UK-focused product set
- No current account or card in the text we read
Alternatives to Kriya
Other European business lending platforms worth comparing before you decide:
See all European business lending platforms or compare them directly against BlueVine Invoice Factoring on our alternatives page.
Frequently Asked Questions
For UK businesses that need invoice finance or loans, yes. Kriya Finance Limited is a London company, and its homepage states that Allica Bank acquired it in 2025.
Kriya states that it offers Growth Guarantee Scheme loans of up to GBP 2m with a government guarantee to growing UK businesses.
Yes. Kriya lists invoice finance as drawing funds against trade invoices, plus export finance for UK exporters.