Kriya vs Capify: Which Lender Is Better for UK Business Finance?
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Choosing between Kriya and Capify can come down to a practical question, do you want finance that follows invoices and B2B cash flow, or funding that is underwritten mainly from trading performance and can be repaid in smaller, more frequent instalments. This guide compares what each lender offers to UK businesses, how repayments typically work, and what to look for in the small print. It is written for founders, finance leads, and advisers who need to sanity check terms before applying. Where details can vary by product or risk profile, we call that out rather than guessing numbers.
- Kriya is best known in the UK for invoice finance style products, including options aimed at SMEs and larger invoice led businesses.
- Capify positions itself as a business finance provider with short term funding and regular repayments, which can suit firms prioritising speed and predictability.
- Neither lender publishes one fixed interest rate for all customers, pricing depends on product, risk, and deal structure.
- Application speed depends on how quickly you can share bank statements, management accounts, and any supporting documents requested.
- For both, the biggest differences tend to be repayment mechanics, contract length, and what security or guarantees may be required.
Products and terms at a glance
Before comparing price, it helps to get clear on the product category. Broadly, Kriya is typically associated with invoice financing and related working capital solutions, while Capify more often competes in short term business lending, including products that resemble a revenue based repayment structure in some cases.
Kriya overview (UK)
Kriya is a UK facing finance brand that markets business funding products on its site, including invoice related financing. On Kriya’s official website, it describes invoice finance solutions for businesses on its Kriya domain. Because product names and eligibility can change, always check Kriya’s live product pages and terms before applying.
In the UK, Kriya is commonly referenced in the market as an invoice finance provider, rather than a classic fixed term unsecured business loan lender. You can cross check Kriya’s status and entity details via the Financial Services Register where relevant permissions and appointed representative relationships are listed for regulated activities.
What it typically looks like in practice, Kriya’s solutions are often structured around invoices or receivables, so your funding limit and ongoing availability may track sales and debtor quality rather than only historic profitability. Kriya also publishes business information and product positioning on its main site at kriya.co.
Pros
- Can suit B2B businesses with material invoice volumes because funding can be linked to receivables, as described on Kriya’s official site.
- Invoice based structures may help align funding with trading cycles, which is a common advantage of invoice finance products described in Funding Agent’s invoice finance explainer.
- Can be an alternative to increasing overdrafts, especially where cash is tied up in debtor days.
Cons
- Not every business is invoice led, if you sell mainly B2C, take cash payments, or have low invoice volumes, invoice finance may be a poor fit, as highlighted in general invoice finance guidance on Kriya’s product information.
- Costs can be multi part, for example a discount fee and service fee, and sometimes additional fees can apply depending on the facility, you must confirm the full schedule in Kriya’s terms and fee documentation on Kriya’s official pages.
- Some invoice finance facilities can involve operational requirements such as debtor notifications or reporting, depending on the product, confirm what applies to your facility on Kriya.
Capify overview (UK)
Capify is a UK facing lender brand operating on capify.co.uk, marketing business finance options for SMEs. Capify’s website describes its approach to business funding and the application process on its official UK site.
Capify typically positions products as business loans or business funding with set repayment schedules, which can be weekly or daily depending on the product and agreement, as outlined in its customer information on Capify’s website. As with many alternative lenders, the exact term, repayment frequency, and total cost can vary by business performance and underwriting.
You can cross check Capify’s regulatory position for any regulated activities, where relevant, through the FCA Financial Services Register. Note that many business finance products are unregulated, but firms can still appear on the register for other permissions.
Pros
- Clearer repayment rhythm for many borrowers, because instalments are typically set out in the agreement, as described on Capify’s official site.
- Can be suitable for short term working capital needs where speed is a priority, depending on underwriting and document readiness.
- May suit businesses that do not have invoice led funding needs, as Capify’s core marketing focuses on general business funding on capify.co.uk.
Cons
- Frequent repayments can be cash flow intensive for seasonal businesses, confirm frequency and any flexibility in the contract terms on Capify’s official pages.
- Pricing is not a single published APR for all customers, so comparisons require a like for like quote and a total repayable figure from Capify.
- Some products in the market that look like cash advances can be harder to compare to term loans, so it is important to understand whether you are being offered a loan agreement or a different structure, Capify’s product documentation is the place to confirm this on Capify’s website.
Costs and repayments in practice
Cost comparisons between invoice finance and short term business lending can be misleading if you look only at a headline rate. Invoice finance facilities can involve multiple fees, and the effective cost depends on how quickly customers pay invoices. Short term business loans often quote an interest rate or a fixed cost over the term, but the true affordability depends on repayment frequency, total repayable, and any fees.
If you want to compare offers consistently, it helps to focus on three numbers, the total amount you will repay, the time period, and the repayment schedule. Funding Agent has a useful explainer on the difference between factor style pricing and APR concepts in Factor rate vs APR, which can help when one offer is not structured as a traditional amortising loan.
| Feature | Kriya | Capify |
|---|---|---|
| Common product type (UK positioning) | Invoice finance style working capital, as described on Kriya’s website | Business funding and loans for SMEs, as described on Capify’s UK site |
| How cost is usually expressed | Facility and discount style fees can apply, confirm the fee schedule in the relevant Kriya product terms | Loan or funding costs vary by agreement, confirm the total repayable and any fees in Capify’s documents |
| Repayment mechanism | Often linked to invoice settlement and collections mechanics, depending on the product described by Kriya | Regular repayments (often frequent), set out in the agreement on Capify |
| Security and guarantees | Can vary by facility, may involve assignments over receivables or other security, check Kriya’s terms and product documentation | Can vary by product and risk profile, check what Capify requires in the offer documentation |
| Best used for | Bridging cash flow gaps caused by payment terms on invoices, consistent with the general purpose of invoice finance explained in Funding Agent’s guide | General short term working capital where a fixed schedule is acceptable, aligned with Capify’s business funding positioning on Capify’s site |
Worked example 1, Kriya (illustrative)
Scenario, a UK limited company provides services to other businesses and issues invoices on 30 day payment terms. It has a consistent debtor book and wants to reduce the cash gap caused by debtor days.
- Assumption A, the business chooses an invoice finance facility that advances a percentage of eligible invoices, as commonly described for invoice finance products on Kriya’s site.
- Assumption B, average invoice value in the facility is £100,000 per month, with customers paying in 30 days.
- Assumption C, the facility charges a combination of fees, but the exact fee schedule is not stated in a single public number, so the business uses the quote provided in Kriya’s documentation and confirms the total cost in writing, per Kriya’s official pages.
How repayments play out, rather than making a fixed monthly loan payment, the business receives an advance against invoices and then settles the balance once the debtor pays, net of fees. The cash flow impact therefore depends on how quickly debtors pay and how much of the invoice is advanced, which is a core feature of invoice finance described in general terms in Funding Agent’s invoice finance explainer.
What to check on your quote, whether fees are charged as a percentage of turnover, on drawn funds, or per invoice, and whether there are minimum fees. These points can materially change the effective cost and should be confirmed in Kriya’s contract and fee schedule available during application via Kriya.
Worked example 2, Capify (illustrative)
Scenario, a retailer needs £30,000 to buy seasonal inventory and expects a sales uplift over the next 3 months. It prefers predictable repayments and does not want an invoice linked structure.
- Assumption A, Capify offers a short term business loan or funding agreement with a fixed repayment schedule, consistent with its business funding positioning on Capify.
- Assumption B, the term is 6 months and repayments are weekly, the exact schedule is taken from the offer and contract documents on Capify’s UK site.
- Assumption C, the business compares the total repayable amount, not just an interest rate, using the approach described in Funding Agent’s guide to interest vs APR and total repayable.
How repayments play out, weekly repayments reduce the risk of a large monthly payment, but they also mean cash is leaving the business more frequently. That can be a benefit for budgeting, or a drawback if your takings are lumpy. Capify’s own materials on its official site are the best place to confirm repayment frequency and whether it is fixed or varies with trading.
What to check on your quote, any fees that are added to the principal, how early settlement is handled, and whether there are fees or discounts for early repayment, these policies should be confirmed in Capify’s customer documentation on capify.co.uk.
Speed and service
Both lenders emphasise streamlined applications, but speed is usually constrained by underwriting steps and document collection. If your business can share bank statements promptly and has up to date accounts, decisions can be quicker.
Kriya, speed considerations
For invoice finance style facilities, the process can include verification of your debtor book and invoice validity, alongside standard business checks. Kriya describes its business offering and onboarding approach on its official site, but exact timelines can vary by case and are not always stated as guaranteed.
Factors that typically slow down invoice finance facilities include, complex debtor ledgers, disputed invoices, concentration risk, or customers with poor payment history. Where Kriya requests specific documents, you should follow its checklist and portal instructions on Kriya.
Capify, speed considerations
Capify’s website positions its application journey as online and designed for speed, details are on the Capify UK website. In practice, speed usually depends on how quickly underwriting can review bank transaction data, trading performance, and any additional documents requested.
Frequent repayment products are often underwritten on cash flow, so lenders can require recent bank statements and may use open banking connections where offered. If Capify offers open banking connectivity or specific document upload steps, rely on the instructions and disclosures on Capify’s official pages.
Who each lender suits
Neither lender is objectively better, the match depends on your trading model and how you want repayments to behave when sales rise or fall.
Kriya may suit you if
- You are a B2B business issuing invoices with payment terms, and you want funding that scales with receivables, consistent with invoice finance principles explained in Funding Agent’s guide and Kriya’s positioning on Kriya.
- You have strong customers but long payment cycles, and cash is tied up in debtor days, invoice linked funding can reduce that timing gap.
- You want to avoid committing to a fixed amortising schedule that does not reflect when customers pay, subject to the exact facility structure described by Kriya.
Capify may suit you if
- You want a simple lump sum with a clear repayment plan, and you can handle frequent repayments, consistent with Capify’s product positioning on Capify.
- You are not heavily invoice led, for example retail, hospitality, or subscription businesses, and you prefer underwriting based on trading and bank performance.
- You need short term working capital for a defined use, like inventory or a marketing push, and you want to know the repayment schedule up front from Capify’s documentation.
How to apply
Application processes change, so treat the steps below as a typical outline and follow the lender’s current instructions and disclosures.
How to apply to Kriya
- Start on Kriya’s official website and select the relevant business funding product at kriya.co.
- Prepare documentation commonly requested for invoice finance facilities, for example debtor lists, sample invoices, bank statements, and basic company details, confirm the exact list during the Kriya application flow on Kriya.
- Complete any identity and company verification steps requested, these can form part of anti money laundering and KYC checks, as commonly described in financial onboarding processes.
- Review the facility terms carefully, including fees, notice periods, security, and operational requirements, using the official Kriya documentation provided in the application portal or product pages on Kriya.
How to apply to Capify
- Start on Capify’s UK site and follow the apply or enquiry journey at capify.co.uk.
- Have recent business bank statements ready, and be prepared to share basic business information and trading history, consistent with typical SME underwriting described on Capify’s official site.
- Review the offer, focusing on total repayable, repayment frequency, term, and any fees, and confirm early settlement treatment in Capify’s documentation on Capify.
- Complete identity checks and any final verification steps requested before funding, following Capify’s own process on capify.co.uk.
Final verdict
Think of Kriya vs Capify less as a head to head on interest rates, and more as a decision about how you want funding to track your business activity. Invoice linked facilities can reduce the cash gap created by customer payment terms, while frequent repayment loans can offer predictability but demand steady cash flow headroom.
Choose Kriya if
- Your business is invoice led and you want funding linked to receivables rather than a fixed amortising schedule.
- You can provide clean debtor data and want working capital that can scale with sales.
- You are comfortable comparing multi part fee structures and operational requirements typical of invoice finance.
- You want to reduce pressure from long payment terms without waiting for customers to pay.
Choose Capify if
- You want a straightforward lump sum with a clear repayment plan and timeline.
- You can handle frequent repayments and prefer a predictable cash outflow schedule.
- Your business is not strongly B2B invoice led, or you do not want an invoice based facility.
- You prioritise speed and simplicity, and you can supply bank statements and trading information quickly.
If you want to compare multiple lenders and structures side by side, you can use Funding Agent to explore options and then request quotes via the form.
