MarketFinance Reviews

MarketFinance provides flexible business financing solutions with positive reviews highlighting its customer service and quick loan approval process.

Here are the Trustpilot Reviews from MarketFinance:

Here are the Reviews from MarketFinance:

I was incredibly impressed with the marketing efforts led by Xanthe Lloyd, Alex Hewett and Josh Rees-Davies. Their strategic approach, clear communication, and deep understanding of the property development sector made a significant difference in reaching the right audience.

Lucia

Very happy with the service from Market Financial Solutions.

Berkan A.

In the past I have used MFS when I've had complicated cases that need experienced Underwriters to review and assess a case fairly. This was no exception and I am pleased to say that the service received from Rio was exceptional. She kept me fully up to date with what was needed and looked for ways to overcome any issues so that my client would be able to complete by his deadline... Many thanks to Rio and MFS.

Danire

The team at MFS is very responsive and extremely helpful. They would always make sure to look at problems to see what would be the best way to solve it unlike any other typical lenders. Not to mention they are extremely quick with their terms and documentation as well. Special shout out to Craig Reiselson and Victoria Mahy for making the process seamless along the way.

Shivam Bhanushali

Delighted to have completed on the deal with MFS. Not the most straight forward deal but the team, including Donald and in particular Madeleine stepped up to deliver it.

Seb Carrelli

MFS is a funder who not only claim to be a specialist lender but can actually deliver when others may shy away hiding behind funding line criteria etc. Luke, Anjali, Richard and Alec hats off to you guys!

Moeed Ahmad

Explore MarketFinance's Finance Solutions:

Business Term Loan

£10,000 – £500,000

Invoice Finance Facility (Selective & Full Ledger)

£50,000 – £5,000,000 credit line (up to 90% of invoice value advanced)

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Explore MarketFinance's Finance Solutions:

Loan Type:

Business Term Loan

Loan Range:

£10,000 – £500,000

Loan Terms:

6 months to 3 years

Minimum Turnover and Trading Age:

At least 12 months trading and £100,000 annual turnover

Interest Rate:

7.0% – 19.0% fixed APR (representative 12.4%)

Fees:

Arrangement fee up to 3% of loan; no early-repayment penalties; late payment fees apply

Loan Type:

Invoice Finance Facility (Selective & Full Ledger)

Loan Range:

£50,000 – £5,000,000 credit line (up to 90% of invoice value advanced)

Loan Terms:

Rolling facility with individual invoices funded 30 – 120 days

Minimum Turnover and Trading Age:

Minimum £300,000 annual turnover and 6 months trading history

Interest Rate:

Discount margin from 3.4% + Bank of England Base Rate; service fee 0.5% – 3% of invoice value

Fees:

Facility fee (from 0.3% of facility limit), service fee per invoice, discount fee on funds in use; no cancellation fee after 3-month notice

Loan Type:

Embedded Finance – Kriya PayLater (B2B Buy-Now-Pay-Later)

Loan Range:

£1,000 – £100,000 per buyer transaction limit

Loan Terms:

30, 60 or 90 day payment terms (extendable to 12 months via instalments)

Minimum Turnover and Trading Age:

Suppliers: £500,000 annual turnover; Buyers assessed individually

Interest Rate:

Supplier pays 1.16% – 2.9% per 30-day period on financed amount (buyer pays no interest)

Fees:

Transaction fee charged to supplier; no set-up fee; early repayment free

Loan Type:

Legacy Product – CBILS & RLS Government-Backed Loans (Discontinued)

Loan Range:

£50,001 – £350,000 (CBILS) / up to £2,000,000 (RLS)

Loan Terms:

2 – 6 years

Minimum Turnover and Trading Age:

Trading 12 months pre-COVID; UK-based SMEs

Interest Rate:

6% – 14% fixed APR (government guarantee fee applies on RLS)

Fees:

No arrangement fee under CBILS; arrangement fee on RLS

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More About MarketFinance

MarketFinance Limited, trading as Kriya, is a UK fintech lender established in 2011. It offers working-capital solutions focused on invoice finance, business term loans, and embedded B2B Buy-Now-Pay-Later products. MarketFinance suits established SMEs in the UK seeking digital access to various financing options without physical collateral. For a broader overview of comparable lenders, see our MarketFinance Reviews.

Key features of MarketFinance (Kriya)

MarketFinance focuses on technology-enabled solutions designed to streamline the lending process and provide flexibility for businesses.

Fully digital application portal with Companies House data pulls and Open Banking integration.
Wide range of products including term loans, invoice finance, and embedded BNPL, managed through online dashboards.
Integration support with accounting software such as Xero, Sage, and QuickBooks.
API and white-label capability for partnership with marketplaces and platforms.
Backed by institutional funding including the British Business Bank, offering capital depth and stability.

Funding eligibility

You may qualify for finance with MarketFinance if your UK-registered limited company or LLP has been trading for at least 6 to 12 months depending on the product type. Annual turnover thresholds vary from £100,000 for term loans to £500,000 for suppliers using embedded finance. Certain higher-risk sectors, such as gambling and real estate development, are excluded. For detailed eligibility considerations, visit our business loan qualification guide.

Loan options

Kriya offers several loan types tailored to working capital needs, from small to multi-million pound facilities.

Business Term Loan: £10,000 to £500,000 over 6 to 36 months. Fixed APR ranges from 7.0% to 19.0% with a representative of 12.4%. Unsecured lending requiring director personal guarantees. See more about business term loans.
Invoice Finance Facility: £50,000 to £5,000,000 with up to 90% advance rates, revolving facility terms are invoice based (30 to 120 days). Fees include discount margin from 3.4% plus Bank of England base rate. Requires business-to-business invoices and personal guarantees typically 10%-25%. More details at invoice finance.
Embedded Finance – Kriya PayLater: £1,000 to £100,000 per buyer transaction, offering credit terms from 30 to 90 days. Suppliers pay fees while buyers pay no interest. No personal guarantees required. Suitable for suppliers with £500,000 turnover and buyers undergoing credit checks. See embedded finance options.

How to apply

Applications are fully online with a streamlined decision-making process. Expect funding as soon as the same day post-agreement for loans and next day for embedded finance.

Submit your business details and application via the online platform or through an introducer using offline forms available at application forms.
Provide required documents including latest filed accounts, business bank statements, director ID, and aged debtor reports as relevant.
The lender typically reviews and decides on loans within 24 hours and invoice finance within 48 hours.
Sign the agreement digitally and receive funds the same or next business day after approval.

Funding Agent’s view on MarketFinance (Kriya)

MarketFinance (Kriya) delivers flexible, technology-driven funding options efficiently aimed at established UK SMEs needing fast, unsecured capital. While convenient, the requirement for personal guarantees and minimum trading history may exclude newer or asset-rich but smaller businesses. Learn more by visiting our lenders directory, use our loan comparison tools, or check your eligibility before applying.