Kriya Finance Alternatives
This guide lists five UK focused alternatives to Kriya Finance, so buyers can compare speed, eligibility, products, and pricing before applying.
Quick Compare:
1. Aria Finance
Aria Finance specializes in complex lending solutions for UK businesses. It offers fast decision times and access to a broad panel of lenders. Suitable for those needing detailed funding options, often with brokered access and flexible repayment structures.
Loan and pricing details
- Min amount: £5,000
- Max amount: £500,000
- APR min: Unknown
- APR max: Unknown
- Loan durations: 12 to 60 months
Funding range note: from 5,000 to 500,000 typically
Speed: Decisions in 48 hours
Interest rate notes: Rates set by lenders in the marketplace, typically risk-based.
Eligibility
- Min trading months: 12
- Min monthly turnover: £5,000
- Credit flexibility: medium
Personal guarantee: Personal guarantees may be required depending on the loan
Homeowner advantage: No explicit advantage for homeowners
Services and sectors
- Products: term_loan, asset_finance
- Industries: Finance, Trade
Best for
- complex lending needs
- marketplace access
Pros
- Access to multiple lenders
- Specialized in complex needs
Cons
- Possibility of needing personal guarantees
Sources: https://www.ariafinance.co.uk/
2. Uncapped
Uncapped offers fast, flexible funding designed for UK online businesses. It provides options from working capital to merchant cash advances, with rapid decision processes. Suitable for those seeking swift, non-equity funding solutions.
Loan and pricing details
- Min amount: £100,000
- Max amount: £2,000,000
- APR min: Unknown
- APR max: Unknown
- Loan durations: Short term
Funding range note: from €100K to €2M
Speed: Decisions in 24 to 48 hours
Interest rate notes: Pricing depends on business performance; no set APR.
Eligibility
- Min trading months: 3
- Min monthly turnover: £10,000
- Credit flexibility: high
Personal guarantee: No personal guarantees are needed.
Homeowner advantage: None
Services and sectors
- Products: merchant_cash_advance, working_capital
- Industries: E-commerce, Technology
Best for
- online businesses
- fast funding needs
Pros
- No equity requirement
- Fast decisions
Cons
- Strict turnover requirements
Sources: https://www.weareuncapped.com/gb
3. Valiant Finance
Valiant Finance offers embedded finance solutions focusing on B2B trade and asset financing. It provides flexible options often secured on collateral or cash flow, with varying repayment types and quick processing times. Suitable for businesses seeking tailored, high-volume transactional funding.
Loan and pricing details
- Min amount: Unknown
- Max amount: Unknown
- APR min: Unknown
- APR max: Unknown
- Loan durations: Flexible based on product
Funding range note: Varies based on financial solution choice
Speed: Depends on the type of solution
Interest rate notes: Interest rates depend on the type of finance chosen, typically variable.
Eligibility
- Min trading months: 6
- Min monthly turnover: £15,000
- Credit flexibility: medium
Personal guarantee: May require personal guarantees based on risk assessment.
Homeowner advantage: Possible benefits based on specific products
Services and sectors
- Products: asset_finance, trade_finance
- Industries: Retail, Wholesale
Best for
- B2B financial solutions
- enhancing sales processes
Pros
- Wide range of financial instruments
- Ideal for B2B
Cons
- Complex structure may confuse small firms
Sources: https://www.valiantfinance.com/uk
4. Bibby Financial Services
Bibby Financial Services is a leading provider of invoice finance solutions across the UK. It offers fast access to working capital for SMEs via invoice or asset finance, often with high flexibility. Well-suited for businesses needing reliable cash flow support and access to a broad network of lenders.
Loan and pricing details
- Min amount: Unknown
- Max amount: Unknown
- APR min: 1.5%
- APR max: Unknown
- Loan durations: Depends on invoice and agreement
Funding range note: Flexible, depends on invoice value
Speed: Typically quick access as invoices are processed
Interest rate notes: Rates start from 1.5% per invoice, risk-based.
Eligibility
- Min trading months: Unknown
- Min monthly turnover: £5,000
- Credit flexibility: high
Personal guarantee: Personal guarantees not commonly required.
Homeowner advantage: None
Services and sectors
- Products: invoice_finance, asset_finance
- Industries: Manufacturing, Logistics
Best for
- invoice finance
- SMEs
- cash flow solutions
Pros
- Specialist in invoice finance
- High flexibility
Cons
- Primarily invoice and asset focused
Sources: https://www.bibbyfinancialservices.com/
5. Growth Lending
Growth Lending offers specialised funding for rapidly expanding SMEs in the UK. It provides quick capital injections and growth support, often tailored to high-growth sectors. Suitable for businesses looking for flexible, growth-focused financing options.
Loan and pricing details
- Min amount: Unknown
- Max amount: Unknown
- APR min: Unknown
- APR max: Unknown
- Loan durations: Varies widely
Funding range note: Subject to business needs and conditions
Speed: Designed for rapid deployment in growth sectors
Interest rate notes: Rates customised per business; highly variable, linked with growth metrics.
Eligibility
- Min trading months: Unknown
- Min monthly turnover: £20,000
- Credit flexibility: medium
Personal guarantee: Typically does not require personal guarantees
Homeowner advantage: Not specifically an advantage
Services and sectors
- Products: term_loan, growth_capital
- Industries: Technology, Services
Best for
- high-growth businesses
- SMEs needing fast capital
Pros
- Growth-focused
- Fast capital access
Cons
- May not suit very small businesses
Sources: https://growthlending.com/
Final notes
When comparing providers, match loan size, timeline, and sector fit first, then confirm current rates and fees with the finance provider. If one option declines your application, a broker or multi lender panel may still place the deal. For more details on funding agents, see Funding Agent.
