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:

Unsecured Business Term Loan

£10,000 – £500,000

Invoice Finance Facility (Selective & Whole Ledger)

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

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Explore MarketFinance's Finance Solutions:

Loan Type:

Unsecured Business Term Loan

Loan Range:

£10,000 – £500,000

Loan Terms:

3 – 36 months

Minimum Turnover and Trading Age:

Min 6–12 months trading and £100k annual turnover

Interest Rate:

8% – 25% fixed p.a. (representative 15% APR)

Fees:

Origination fee 2% – 6% of loan; no early repayment penalty

Loan Type:

Invoice Finance Facility (Selective & Whole Ledger)

Loan Range:

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

Loan Terms:

Invoices with 30 – 120 day payment terms; revolving facility length 12 months renewable

Minimum Turnover and Trading Age:

Min £250k annual turnover and 6+ months trading

Interest Rate:

Discount fee 0.75% – 3% per 30 days over advance; service fee from 0.1% of invoice value

Fees:

Arrangement fee from 0.5% of facility limit; optional same-day drawdown fee £15; no early termination fee after first 3 months

Loan Type:

Embedded B2B Buy-Now-Pay-Later / Trade Credit (Kriya Payments & Kriya Credit)

Loan Range:

£1,000 – £200,000 per buyer credit line; unlimited aggregate for merchants

Loan Terms:

30, 60 or 90 day payment terms (can extend up to 12 months instalments in some integrations)

Minimum Turnover and Trading Age:

Merchants: £1m annual GMV preferred; Buyers: credit scored individually

Interest Rate:

Merchant fee 1% – 5% of transaction; buyers may incur 0% interest if paid on time or 1% – 2% per month for instalments

Fees:

Setup/integration fee agreed case-by-case; merchant transaction fee only on financed orders

Loan Type:

B2B Checkout Finance (Kriya Pay – Buy Now Pay Later for Business)

Loan Range:

Up to £200,000 credit line per buyer; unlimited cumulative volume for merchants

Loan Terms:

30, 60 or 90-day payment terms offered to buyers

Minimum Turnover and Trading Age:

Merchants: £500k+ annual B2B sales; Buyers assessed individually

Interest Rate:

Merchant fee 1 % – 3 % of transaction value; buyers pay 0 % if paid on schedule

Fees:

No set-up cost; per-transaction fee only; chargeback and collections handled by Kriya

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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 including invoice finance, unsecured business term loans, and embedded B2B buy-now-pay-later credit. Kriya is authorised and regulated by the Financial Conduct Authority (FRN: 723825). Its platform targets established UK SMEs needing flexible, digital access to finance, though newer businesses or those without director guarantees may face eligibility challenges. For a general overview of unsecured business lending options, see unsecured business loans and business loans.

Key features of Kriya's lending platform

Kriya provides a digital-first experience, integrating with popular cloud accounting and e-commerce platforms. It offers multiple funding products through a single provider, with tools designed for rapid underwriting and easy management.

Fast, fully digital underwriting with frequent same-day decisions; see application service provider for the tech aspect.
Multiple funding options including invoice finance and unsecured term loans in one platform; more on term loans.
Integration with cloud accounting software for seamless data sharing; refer to invoice financing integration details.
Transparent pricing with fixed interest rates or clear discount fees; see definitions for annual percentage rate and interest rate.

Funding eligibility criteria

You may qualify if your company has a minimum trading period and turnover depending on the product. Kriya typically requires UK-registered limited companies or LLPs with a business bank account. Personal guarantees from directors are commonly needed, affecting eligibility. For more insight, visit how to qualify for a business loan and understanding personal guarantees. Also explore guarantor requirements.

Loan options available via Kriya

Kriya offers the following key loan types designed for working capital and trade credit finance purposes.

Unsecured business term loans from £10,000 to £500,000 over 3 to 36 months, with fixed interest rates between 8% and 25% p.a. Representative APR is around 15%. Details at term loans and unsecured business loans.
Invoice finance facilities ranging from £50,000 up to £5,000,000, advancing up to 90% of invoice value, operating on revolving 12-month renewable terms. Fees and discount rates vary. More info on invoice financing.
Embedded B2B buy-now-pay-later credit lines, providing buyer credits of £1,000 to £200,000, with up to 12 months instalments in some cases. Merchants generally require a turnover of £1m+. Explore business credit options like trade finance for small businesses.

How to apply for Kriya's finance products

The application process is online, with digital submission of financial and company documents. Decisions can be fast, with same-day funding on loans and near-instant invoice finance advances.

Submit an online application form through the web portal; see the application form.
Provide supporting documents such as latest accounts, bank statements, director ID, and debtor ledger for invoice finance; guides on full payment submission help understand required data.
Undergo underwriting checks with automated credit assessments; see details on loan approval timeline.
Sign the loan offer and receive funds, often within 24 hours for term loans or minutes for invoice advances.

Funding Agent's view of Kriya

Kriya suits established UK SMEs looking for fast, digitally managed working capital and invoice finance solutions. Its requirement for personal guarantees and trading history may limit access for start-ups or businesses with weaker credit. Pricing includes arrangement fees which increase borrowing costs. For more on suitability and comparing options, visit alternative finance loans, use our tools, and check lenders for broader market options.