Kriya vs Satago: Which Lender Is Better for UK Business Finance?

Comparing business finance providers can be confusing, particularly when different platforms specialise in specific types of funding. Kriya focuses primarily on working capital solutions such as invoice finance and B2B payments for SMEs, while Satago combines invoice finance with credit control tools and debtor insights for UK businesses. Both firms operate in the UK market and are authorised or supervised for regulated activities through group or partner arrangements, although most of their core B2B lending is unregulated commercial finance. This guide looks at verifiable product features, eligibility, costs and processes for each provider as of early 2026 so you can assess which might better fit your business profile. It does not provide financial advice and you should confirm all details directly with each lender before applying.

1. Products and terms at a glance

Kriya

Kriya is the trading name used by a group of companies previously known as MarketFinance, with Kriya Finance Limited and related entities providing business finance in the UK based on its terms and conditions and privacy notices. The brand positions itself around embedded B2B payments and working capital solutions, particularly invoice finance and business loans for SMEs, as set out on its business finance overview pages.

Key product types include, based on Kriya's invoice finance information and corroborated by coverage on Finextra's report on the rebrand:

• Invoice finance facilities, typically structured as confidential invoice discounting or selective invoice finance for B2B invoices.
• Embedded B2B payments and checkout solutions offered via partners and marketplaces, which may combine trade credit, pay later options and receivables management.
• Term-style business funding linked to receivables performance, which has historically included unsecured working capital loans, although current availability and parameters vary.

Kriya does not publish a universal range of facility sizes or standardised term lengths across all products as of 2026, and instead indicates that limits, tenors and structures are tailored, so specific figures vary by applicant and solution based on its product descriptions.

Satago

Satago is the trading name of Satago Financial Solutions Limited, a UK company that provides invoice finance and credit control tools for SMEs, according to its terms and conditions and privacy policy. The firm is known for combining funding with debtor management and credit insight tools, as summarised on its main product pages and supported by commentary in AltFi's coverage of Satago's funding and product strategy.

Core Satago products include, based on its invoice finance page and its credit control product description:

• Full invoice finance facilities, including whole ledger and selective invoice finance for eligible B2B invoices.
• Invoice finance integrated with credit control software, giving automated payment reminders and collections workflows.
• Credit risk and debtor insight tools, including credit scores and reports on customers, which can be used with or without finance.

As with Kriya, Satago does not publish a single standardised range of facility sizes, advance rates or contract lengths for all customers, instead indicating that facility parameters are tailored to business size, sector and debtor quality based on its product material.

Finance types and concepts in context

Both Kriya and Satago sit within the wider category of invoice finance and working capital solutions for SMEs. For a broader explanation of how invoice finance works and when it is suitable, including alternatives such as term loans and revolving credit facilities, you can refer to Funding Agent's guide to invoice financing for digital agencies, which sets out core concepts that are broadly applicable across sectors.

Neither Kriya nor Satago markets traditional unsecured business term loans to the general SME market in the same way as mainstream banks or online lenders. Where unsecured working capital funding is available, it is usually linked to receivables performance or combined with invoice finance so exact structures vary and should be confirmed directly with each provider, consistent with the general caveats given in Funding Agent's 2026 overview of business loan access.

Asset based lending and asset finance more broadly are typically outside the core propositions of both Kriya and Satago; businesses seeking finance secured against hard assets such as vehicles or machinery would normally consider specialist asset finance providers instead.

2. Costs and repayments in practice

Headline pricing transparency

Neither Kriya nor Satago publishes fixed rate tables or representative APRs for all products as of early 2026. Kriya notes in its invoice finance materials that pricing depends on business size, sector, debtor quality and facility structure, and that charges can include a discount rate on funds drawn plus service or arrangement fees, without disclosing specific numerical ranges. Satago likewise explains in its invoice finance documentation that costs are tailored to the business and facility, covering discount charges and service or platform fees, again without publishing universal rates.

Because of this, any direct numerical comparison of rates would be speculative. Instead, it is more realistic to compare how each lender calculates and structures charges.

Typical cost components

Based on typical UK invoice finance structures described by both lenders, the main pricing components usually include:

• A discount rate applied to funds drawn against outstanding invoices, functioning like an interest rate on the financed balance, although quoted as a periodic fee that varies.
• A service or facility fee, often calculated as a percentage of the invoice value or as a monthly fee, which varies depending on volume and service bundle.
• Potential additional charges such as audit fees, non-utilisation fees or minimum charges, which are sometimes referenced in facility agreements and Kriya's terms or Satago's contractual documentation yet are not standardised publicly.

Both providers collect repayments automatically out of debtor payments into designated accounts so that the financed balance amortises as invoices are paid, which is consistent with standard invoice finance practice described in Funding Agent's broader articles on working capital such as its working capital loan explainer.

Illustrative comparison table

The table below uses illustrative assumptions rather than real quotes because neither lender publishes rate grids. It is intended only to show how costs could compare structurally if both priced at similar headline levels. Actual costs vary and must be confirmed via direct quotes.

This comparison highlights that structural cost elements are broadly similar, yet Satago typically bundles more software functionality into its platform, while Kriya places more emphasis on payments flows and B2B checkout integration as reflected in its partner propositions and Satago's credit control product details.

Worked example 1: Financing a single large invoice

This scenario compares how invoice finance might work if you finance one large B2B invoice through each provider on illustrative terms. The figures used are hypothetical because actual fees vary.

• Invoice value: £100,000 (B2B invoice on 60 day terms).
• Assumed advance rate: 85 percent with both lenders (actual advance percentages vary).
• Assumed discount charge: an illustrative total finance cost equivalent to 1.5 percent of the invoice value over the 60 day period, used purely for example.
• Assumed service fee: illustrative flat £300 per month for the facility in both cases, not based on published tariffs.

Under these assumptions:

• Advance received on day one: £85,000 from either Kriya or Satago.
• Customer pays on day 60: £100,000 into the lender controlled account.
• Illustrative discount cost: £1,500 (1.5 percent of £100,000) with either provider, purely for comparison.
• Service fee over the month: £300.
• Net funds released after settlement: £100,000 minus £85,000 advance minus £1,500 discount minus £300 fee equals £13,200.

In practice, the actual discount rate, service fee structure and timing would differ between Kriya and Satago and may depend on funding volumes, sector risk and debtor profile. However, this simplified example shows that invoice finance cost is typically a function of facility utilisation and time outstanding rather than a straightforward APR, which is why many providers, including these two, avoid quoting headline APRs on their sites for invoice finance products.

Worked example 2: Ongoing rolling facility

Consider an SME that regularly finances a portion of its sales ledger each month.

• Monthly eligible invoices: £400,000.
• Average days outstanding: 45 days.
• Assumed utilisation: 70 percent of the available facility with either lender (varies).
• Assumed all in cost: an illustrative blended cost equivalent to 2.5 percent of invoices financed per month, combining discount and service fees, used purely for illustration.

On these assumptions:

• Financed invoice volume per month: £280,000 (70 percent of £400,000).
• Illustrative monthly cost at each provider: 2.5 percent of £280,000, which equals £7,000.
• Annualised cost at constant usage: £7,000 times 12 equals £84,000.

In reality, Kriya might adjust pricing if you also use its embedded B2B payments or trade credit tools, and Satago might structure fees differently if you heavily use its credit control and debtor insight features, based on the pricing flexibility suggested in Kriya's business pages and Satago's software descriptions. Therefore, businesses should request detailed quotes from both providers using identical assumptions about turnover, debtor mix, concentration and expected utilisation in order to compare net cost of funds accurately.

APR, factor rates and calculators

Invoice finance is usually priced via periodic discount fees and service charges rather than standard APRs or factor rates, yet comparing alternatives often requires translating costs into an equivalent rate. Funding Agent's general guides to working capital explain why APR can be a blunt tool for revolving products, but it is still useful for comparing across lenders if calculated consistently, as discussed in articles such as its analysis of short term loan costs. Many businesses will find it helpful to use an external repayment or business loan calculator that can model fees and charges into an equivalent periodic cost even when lenders quote non standard fee structures.

Both Kriya and Satago may provide indicative pricing illustrations during onboarding; however, these are not standardised APR calculations in public documentation, and any conversion into APR or factor rate equivalents should be treated cautiously and considered illustrative only.

3. Speed and service

Application and onboarding speed

Both providers emphasise digital, streamlined onboarding yet avoid promising fixed approval times.

Kriya states in its invoice finance information and business overview that applications are completed online, with document uploads and automated checks on trading data, and that decisions are made quickly, yet without specifying guaranteed same day decisions or funding. Secondary coverage on AltFi's article on its lending and use of open banking data notes that the platform aims to speed up underwriting through data integrations, yet again without committing to fixed timeframes.

Satago explains on its process overview page that businesses connect their accounting software or upload data, run credit checks on their customers and then request invoice finance, with decisions provided after its risk team reviews the application. It does not specify guaranteed decision or payout times and instead notes that speed depends on the completeness of information and debtor quality, a stance consistent with general invoice finance practice referenced in its product detail.

Public information and independent commentary therefore support characterising both providers' speed as varies, dependent on application quality, sector, structure and internal risk appetite.

Service model and support

Kriya positions itself as a technology led platform with integrations into marketplaces, B2B eCommerce platforms and accounting systems, described in its partner pages. It suggests that account management and relationship support are delivered via a blend of digital dashboards and human support teams, but it does not publish detailed SLAs or response time guarantees for invoice finance clients.

Satago highlights its combination of online platform and dedicated support team, particularly for businesses using its full invoice finance and credit control bundle, according to its product information. It notes that customers can receive help setting up automated reminders and collections workflows and that risk and funding teams review applications and debtor changes, yet again without fixed SLA commitments in its public materials.

Neither provider publishes systematic satisfaction metrics or Trustpilot scores in their own documentation. Independent review sites and trade press articles suggest that customer experiences vary, which is typical for invoice finance where service perceptions depend heavily on sector, debtor issues and account managers. Businesses should therefore treat service quality as varies and request references or case studies from the lenders relevant to their specific industry.

4. Who each lender suits

Kriya: best suited profiles

Based on its positioning and product set, Kriya tends to suit:

• Growing B2B SMEs with recurring invoice volumes to other businesses, particularly in sectors where embedded B2B payments and trade credit are valuable, as highlighted in its business propositions.
• Companies that already use cloud accounting and eCommerce platforms and are comfortable connecting APIs or data feeds, aligned with the emphasis on integrations in its partner integrations.
• Firms that want a closer link between their payments flows and working capital financing, for example marketplaces or wholesalers using trade credit tools to extend terms to customers while accelerating their own cash flow.

Eligibility criteria for Kriya's invoice finance are not fully enumerated publicly, yet references on its product pages and summaries in AltFi suggest that the platform looks for established B2B trading history, UK registration and adequate debtor quality, with the exact thresholds and covenants varies by product.

Satago: best suited profiles

Satago is typically a good fit for:

• SMEs that want invoice finance plus stronger credit control, such as centralised reminders, collections workflows and debtor insights, as described on its credit control pages.
• Businesses that sell on trade credit to multiple customers and need tools to monitor credit risk and payment performance, with the option to finance invoices selectively when cash flow is tight, illustrated in case studies on its invoice finance materials.
• Firms using mainstream UK accounting packages, because Satago emphasises integrations with platforms such as Xero, Sage and QuickBooks in its how it works section.

Eligibility conditions for Satago, including minimum turnover, UK trading status and debtor quality, are not comprehensively listed in public documents; its materials indicate that it primarily serves established UK businesses with B2B invoices and creditworthy debtors, yet the precise thresholds and sector appetites vary and are assessed case by case.

Cases where neither may be ideal

Neither Kriya nor Satago is particularly focused on:

• Very early stage or pre revenue businesses, which usually struggle to access invoice finance or large working capital facilities because both providers rely on historic and current invoice data to underwrite facilities, as reflected in their eligibility comments.
• Cash businesses or B2C retail without substantial B2B invoicing, where merchant cash advance products or other unsecured working capital arrangements may be more suitable.
• Businesses primarily seeking long term term loans over multiple years with fixed monthly repayments, who might instead consider banks or specialist term lenders described in Funding Agent's various sector specific long term loan guides.

5. How to apply

Applying to Kriya

According to Kriya's invoice finance information and its general process descriptions, a typical application process involves:

• Submitting an online enquiry form with basic business details, including company name, registration number, turnover and funding needs.
• Connecting accounting software or uploading recent financial information and aged debtor reports so that Kriya can assess invoice volumes and debtor concentrations.
• Providing KYC and KYB documentation, such as ID for directors and shareholders and evidence of trading address, which aligns with standard AML and KYC requirements referenced in its terms.
• Undergoing underwriting checks, including assessment of trading history, sector risk and debtor quality; Kriya may also undertake credit searches and open banking analysis where relevant, as suggested by its commentary on data driven underwriting in AltFi.
• Reviewing and signing facility documents digitally if approved, after which a designated account is set up for debtor payments and the facility can be drawn against eligible invoices.

Exact document requirements and timelines vary by facility size, sector and structure. Kriya does not promise instant decisions, instead indicating that speed depends on the completeness and quality of the information you provide.

Applying to Satago

Satago outlines its process across how it works, invoice finance and related pages, which collectively indicate that:

• Businesses start by creating an account and connecting their accounting package or uploading invoice data to the platform.
• The system analyses the debtor book, providing credit scores and insights for customers, which can be used with or without funding.
• To access invoice finance, you select invoices or ledgers to finance; Satago's risk team reviews this alongside business information such as financials, ownership and sector.
• KYC and KYB checks are completed, including identity verification for key individuals and checks on corporate structure consistent with UK AML requirements highlighted in its legal documentation.
• If approved, facility agreements are signed electronically and designated bank accounts are set up for debtor payments, after which drawdowns against invoices can begin.

As with Kriya, Satago does not commit to specific approval timeframes and states implicitly that timing varies with case complexity and data quality.

General preparation tips

Regardless of provider, businesses can improve outcomes by:

• Ensuring accounting records and aged debtor reports are up to date and accurate, reducing delays in underwriting.
• Preparing clear information on any large or slow paying debtors and explaining mitigants, which both Kriya and Satago will consider in assessing facility risk.
• Clarifying whether you need selective invoice finance, whole ledger facilities or a broader cash flow solution, since each platform offers different configurations.

6. Final verdict

Both Kriya and Satago are established UK invoice finance and working capital providers, yet they differ in emphasis. Kriya leans more towards embedded B2B payments and marketplace integrations, while Satago combines funding with comprehensive credit control and debtor analytics. Pricing structures are broadly similar in that both charge a blend of discount fees and service costs tailored to each business rather than publishing fixed rates. Eligibility and speed also vary depending on trading history, sector and debtor quality.

As such, decision making should focus on operational fit, integration needs and the quality of support offered rather than on headline rates alone, which are not directly comparable from public information. Requesting parallel quotes from both providers using the same assumptions about turnover, debtor mix and facility usage is the most reliable way to gauge net cost and suitability.

Choose Kriya if:

• You are a B2B SME or marketplace with significant invoice volumes to business customers and want finance that links closely to embedded B2B payments or trade credit flows.
• You prioritise API and platform integrations across eCommerce, marketplaces and accounting systems and want a technology led solution.
• Your debtor book is relatively diversified and you are comfortable with a more data driven underwriting approach for tailoring facility structures.

Choose Satago if:

• You want invoice finance and advanced credit control tools in one platform to improve payment behaviour and visibility over your debtor book.
• Your business relies heavily on trade credit to a broad base of customers and needs detailed credit insights as well as funding.
• You prefer a platform that is tightly integrated with mainstream accounting systems and emphasises collections workflows and debtor management.

7. Sources

• Kriya official site, including product, terms and privacy pages
• Kriya invoice finance product information
• Kriya partner and integration information
• Kriya terms and conditions
• Satago official site, including invoice finance and credit control pages
• Satago invoice finance product information
• Satago credit control and debtor management product information
• Satago how it works process overview
• Satago terms and conditions
• Satago privacy policy
• Finextra coverage of MarketFinance rebrand to Kriya
• AltFi coverage of Allica Bank partnership with Kriya
• AltFi article on MarketFinance or Kriya use of data and new products
• AltFi coverage of Satago's funding and product strategy
• Funding Agent guide to invoice financing for digital agencies
• Funding Agent overview of asset finance
• Funding Agent explainer on working capital loans
• Funding Agent analysis of SME loan access in the UK in 2026
• Funding Agent explainer on merchant cash advances
• Funding Agent asset finance and business loan style calculator
• Funding Agent analysis article on short term loan lenders and costs