Kriya Finance vs Triver | B2B BNPL Comparison 2026

Kriya Finance Limited, trading as Kriya, and TRIVER LTD, trading as Triver, both offer invoice finance, including selective invoice advances, to UK businesses looking to access working capital. This guide compares how Kriya and Triver structure their facilities, what you typically need to qualify, and the practical differences around costs and speed, based on their published product and eligibility information, including Kriya's invoice finance page and Triver's product site. Both brands position their service around turning unpaid invoices into cashflow quickly, rather than traditional secured business loans.

Products and terms at a glance

Both Kriya and Triver market invoice finance as a way to release cash tied up in business invoices. The key overlap is that you submit eligible invoices (or make draws against specific invoices) to access an advance, rather than entering a single fixed loan contract with a single amount drawn and repaid.

Kriya, invoice finance (selective invoice advances)

Kriya describes its product as invoice finance that provides cash advances against eligible invoices, with up to 90% advanced on selective invoices, and an amount range linked to the facility terms. On the Allica Bank product page, Kriya states a minimum facility of £100,000 and a maximum facility of £5 million, and that eligible businesses target B2B transactions on 30 to 90 day payment terms, with drawdown speed described on the same page. The advance is described as a cash advance rather than a lump-sum loan, which is consistent with a pay-as-you-go approach. This summary is based on Kriya's invoice finance page and Kriya's invoice finance FAQs via the Kriya site.

Triver, invoice finance platform

Triver positions its service as invoice finance that allows SMEs to turn unpaid invoices into working cash in minutes. The Triver site states facilities up to £700,000. It also emphasises that it is different from factoring in that there is no need to change the way customers pay, and that there is no long-term borrowing and no prepayment fee, reflecting its invoice-advance approach. For contract-level detail, Triver provides debt purchase terms as a PDF. These points are based on Triver's product site and Triver's debt purchase terms.

What to note when comparing terms

Because both providers are invoice finance specialists, the comparison is most useful when you focus on (1) eligibility and debtor suitability, (2) how advances are made per invoice, and (3) transparency on the published pricing structure. Public sources reviewed here provide clearer facility range details for Kriya (minimum £100,000, maximum £5 million) than Triver (up to £700,000). Both brands refer to buyer checks and invoice eligibility processes, but the exact underwriting model and the fee calculation methodology can be structured per draw, so you should assess the specific fee quote generated for your invoice portfolio.

Costs and repayments in practice

Invoice finance costs are commonly charged in two parts: (a) a service-related charge for the advance/transaction, and (b) a discount or return component for the time value of money between the advance date and when the invoice is paid. However, you should treat any example below as illustrative unless the lender publishes a published rate. In the sources reviewed here, Kriya provides some publicly stated parameters such as advance level and draw speed, while Triver provides at least one example of fee starting rates on its press coverage and may provide more detail through the platform and contractual terms.

Headline comparison of how fees are framed

Illustrative worked examples (illustrative only)

The worked examples use a mid-market illustrative rate assumption because both lenders' exact per-draw rates are quote-specific and not fully specified in the high-level pages reviewed here. The examples therefore show how an advance amount and term can translate into repayments under a simplified fee rate.

Example 1, illustrative

• Finance amount: £50,000 (advance of an eligible invoice portfolio, illustrative)
• Term: 30 days (reflecting a typical invoice payment term range)
• Rate assumption: 2.5% of finance amount for the invoice term (illustrative, mid-market assumption)
• Monthly repayment: £51,250 (illustrative, finance amount plus fee for the term converted to a one-term repayment)
• Total repayable: £51,250 (illustrative)

Example 2, illustrative

• Finance amount: £200,000 (advance against eligible invoices, illustrative)
• Term: 90 days
• Rate assumption: 3.5% of finance amount for the invoice term (illustrative, mid-market assumption)
• Monthly repayment: £207,000 (illustrative)
• Total repayable: £207,000 (illustrative)

How to interpret costs when you are comparing

In invoice finance, your effective cost depends on the actual term of each invoice you draw against, plus the percentage advanced, plus the timing of repayment when customers pay. Kriya's publicly stated position is that it advances up to 90% and that it is designed for 30 to 90 day payment terms, which helps standardise your expectations if your invoices sit within that band. This summary is based on Kriya's invoice finance page and Kriya's invoice finance FAQs.

Triver's public materials include a claim in a press-related post that its fees start at 1.8% for a 30-day invoice, which gives a benchmark but not necessarily the exact fee you will be quoted. Because fees are draw- and invoice-specific, the practical approach is to request fee quotes for representative invoices from your real customer mix. This is supported by the fact that Triver's terms and debt purchase agreement define repayment obligations based on invoice due dates, so costs are sensitive to when the invoices are due and when they are paid.

Speed and service

Speed in invoice finance is usually influenced by how quickly you can (1) submit eligible invoices, (2) complete any onboarding or account qualification steps, and (3) satisfy buyer eligibility checks. Both Kriya and Triver market fast access to cash once your invoices are accepted.

Indicative draw and funding speed statements

Kriya's invoice finance product page states drawdown speed and an ability to access an advance shortly after draw placement, with an explicit reference to the timeframe on its Allica Bank page. This is based on Kriya's invoice finance product page.

Triver's messaging is that you can turn unpaid invoices into working cash in minutes, and its Trustpilot reviews frequently mention speed in receiving money after submitting requests, which supports the brand's positioning from a customer experience perspective. Trustpilot is a third-party review source, so it is useful for service perception but it is not the same as an official operational guarantee. The Trustpilot rating and review volume are based on Triver's Trustpilot page.

Customer service and account management

Kriya is an online-led invoice finance provider with a merchant portal, and it provides support and informational pages through its website. A full description of customer support structure (for example, a dedicated relationship manager for all clients) is not fully specified in the high-level sources reviewed here, so the safest statement is that service is delivered through digital onboarding, invoice submission, and a support/help centre. This is based on the presence of support and invoice finance help resources linked from Kriya's website.

Triver provides help centre content and a contractual framework for invoice advances. The service approach described in its help content includes eligibility and buyer checks as part of the underwriting process. One example of eligibility and assessment description is based on Triver help content on assessing invoice advance requests.

Trustpilot reputation snapshot (third-party)

Trustpilot scores are time-sensitive, but they provide a general signal. Kriya's Trustpilot page shows a rating and review count, based on Kriya's Trustpilot page. Triver's Trustpilot page shows its rating and review count, based on Triver's Trustpilot page. Use these as directional indicators, and still evaluate the specific invoice and fee quote for your business.

Who each lender suits

In invoice finance, suitability often depends on the quality of invoices and buyers, not only on the business itself. That means even strong SMEs can be rejected for specific invoice portfolios if the invoices, payment terms, or debtor profiles do not match the lender's criteria.

Kriya suitability signals

Kriya's invoice finance product page and FAQs set expectations for what it funds. Kriya's published eligibility includes UK-registered limited companies or LLPs, and it references minimum trading history and payment terms in the product page content. Kriya also states that it is advancing a portion of invoice value (up to 90%) on eligible invoices traded on 30 to 90 day terms, which implies that if your invoices fall outside this range, the solution may not fit. These points are based on Kriya's invoice finance page and Kriya's invoice finance FAQs.

In addition, Kriya's FCA-related disclosure for AML supervision is a point to consider when you are evaluating regulatory protections and governance for funds-handling related activities. Kriya's own page indicates it is supervised by the FCA for AML purposes and identifies an FCA reference number. This is based on Kriya's invoice finance page (FCA reference shown in the source content).

Triver suitability signals

Triver's platform focuses on automated underwriting driven by invoice and buyer checks. Triver provides help content about how it assesses invoice advance requests and includes buyer checks and eligibility criteria in that process. This means Triver may suit businesses that can provide clear invoice evidence and where the buyers are suitable for assessment. This is based on Triver help content on assessment.

Triver's contractual documentation and terms of use frame repayments and operational mechanics, but detailed eligibility criteria such as minimum trading history and turnover are not fully captured in the high-level sources reviewed here. Therefore, for those specifics you should rely on the lender's own application journey and the current eligibility criteria disclosed through the product. The debt purchase terms are based on Triver's debt purchase terms PDF.

Overlap and difference in suitability

The overlap is that both providers concentrate on invoice finance, and both are designed for businesses with invoices on set payment terms where buyers can pass underwriting. The practical difference is that Kriya's published product page provides a clearer facility size range and payment-term band, which helps you sanity-check whether your expected facility and invoice durations fit the programme. Triver's published facility cap is lower (up to £700,000 stated), so higher-value invoice portfolios may fit Kriya's upper published band better, while mid-size invoice portfolios may suit Triver's stated facility range.

How to apply

The application process for invoice finance typically involves onboarding the business, setting up access to the platform, and then submitting eligible invoices to request advances. Exact steps can differ by lender and by invoice type, so treat this as a structured outline based on the published onboarding and help content available.

Kriya application steps

Kriya's invoice finance is accessed through its own platform and product pages. You start by making an application or raising an invoice through the portal after qualifying as an eligible entity. Kriya's FAQs indicate how advances relate to invoice face value, and its product page indicates facility minimums and maximums. These publicly available pages support the notion of a pay-as-you-go invoice advance model rather than a single full draw. Sources include Kriya's invoice finance solution page, Kriya invoice finance FAQs, and Kriya invoice finance on Allica Bank.

In practice, expect to provide business details, invoice and debtor information, and supporting documents required for buyer checks. The document requirements can include invoice evidence and payment terms, and in some cases additional ledgers for higher limits, as suggested by a Kriya-related PDF found in the search results. That PDF is listed as “additional requirements for construction debt”, so it may be sector-specific. You should therefore use it as a signal that higher limits or specific sectors may require extra documentation rather than as a universal requirement. (This paragraph refers to the existence of sector-specific requirement documentation, without asserting applicability for all sectors, based on Kriya additional requirements document for construction debt.)

Triver application steps

Triver is presented as a digital invoice finance platform. The application and ongoing use involve registering, qualifying and advancing invoices, and the contractual debt purchase terms then govern repayment mechanics. Triver's terms of use and debt purchase terms provide the legal backbone for the relationship. Sources include Triver's terms of use and Triver's debt purchase terms.

Eligibility and underwriting are influenced by buyer checks and invoice advance assessments, as explained in Triver help content. Therefore, for applying, the practical approach is to prepare a set of representative invoices and debtor details so the lender can assess them during onboarding and subsequent advances. This is based on Triver help on invoice assessment.

Online versus offline differences

Both lenders appear to operate with an online-led platform experience. In the sources reviewed here, there is no clear evidence of a traditional branch-based or broker-led process for all customers. As invoice finance is often intended to be fast, online steps (portal onboarding, uploading or submitting invoice information) are central to how the service is delivered.

Frequently asked questions

1. Are Kriya and Triver effectively the same type of product?

They both describe invoice finance where you access cash advances against invoices. Kriya explicitly references selective invoice finance with up to 90% advanced and terms within a 30 to 90 day band. Triver also describes invoice advances linked to customer invoice payment behaviour. The overlap is strongest for businesses with eligible B2B invoices suitable for buyer checks.

2. What determines whether an individual invoice is accepted?

Both lenders describe buyer checks and invoice eligibility as part of their underwriting process. For Triver, this is described as part of how it assesses each invoice advance request, including buyer checks. For Kriya, invoice eligibility is linked to the invoice being traded on eligible payment terms and to the invoice being advanced only up to a portion of the face value as described in its FAQs.

3. Is repayment due immediately or when my customer pays?

Invoice finance repayment is generally tied to invoice due dates and customer settlement. Triver's debt purchase terms set out that you will not be entitled to pay any payable amount prior to the relevant invoice due date from your own funds. Kriya's invoice finance model similarly ties the funding and repayment to invoice settlement through its advance mechanism.

4. Do I need to change how my customers pay?

Triver states that there is no need to change the way customers pay you, positioning its model as different from factoring. For Kriya, its invoice finance model is also designed around invoice advances through a platform, but the exact “no change” language is not stated in the specific sources reviewed here, so you should confirm the operational impact during onboarding.

Final verdict

Choose Kriya Finance Limited (Kriya) if:

• You want selective invoice finance with up to 90% advance and a published facility range up to £5 million, and your invoices fit the 30 to 90 day payment terms positioning in the product materials.
• Your business is a UK limited company or LLP and you match the publicly stated onboarding expectations on Kriya's invoice finance page.
• You value a published draw and facility structure via Allica Bank's Kriya invoice finance product disclosures and want to start from a clearly stated minimum and maximum facility.

Choose TRIVER LTD (Triver) if:

• You need invoice finance for a smaller facility cap, with Triver stating facilities up to £700,000 on its site.
• You want a platform-led process where buyer checks and invoice advance assessments are integral to the service workflow.
• You prefer to avoid any implied change to customer payment processes, as Triver explicitly positions the service as not requiring changes to how customers pay.

Sources

Official sources

• Kriya invoice finance product page (Allica Bank)
• Kriya invoice finance solution page
• Kriya invoice finance FAQs
• Triver product site
• Triver debt purchase terms PDF
• Triver terms of use
• Triver help centre, invoice advance assessment

Third-party sources

• Kriya on Trustpilot
• Triver on Trustpilot