MarketFinance vs Accelerated Payments Invoice Finance Comparison

MarketFinance now trading as Kriya offers UK businesses a blend of selective invoice finance and working capital loans, all delivered through a fintech platform that focuses on speed and flexibility for limited companies and LLPs based on its business loan guidance. Accelerated Payments operates as a specialist invoice finance provider focusing on non recourse, selective funding of individual receivables and export invoices based on its product pages. This guide compares how each lender approaches structure, eligibility, risk and support so you can judge which is closer to your needs, using only information that can be verified from their official materials and reputable third party sources. It is not personal advice, and Funding Agent is not affiliated with either lender, so always confirm details directly with the providers before you apply.

1. Products and terms at a glance

MarketFinance now operates under the Kriya brand, providing a mix of working capital loans and selective invoice finance to UK businesses based on its main site and invoice finance product page. Accelerated Payments focuses exclusively on invoice finance, allowing businesses to fund individual invoices or batches rather than committing their whole ledger based on its invoice finance overview.

Kriya describes its invoice finance as a way to get up to around 90 percent of an invoice funded within about 24 hours, although the precise percentage and timing vary in practice based on its invoice finance explainer and product detail. The facility is typically selective, meaning you choose which invoices to fund rather than having to assign your entire debtor book based on its selective invoice finance guide. Alongside this, Kriya offers working capital loans and flex loans that function like revolving credit, subject to eligibility and underwriting based on its loan guidance and working capital article.

Accelerated Payments offers selective invoice finance on a non recourse basis, meaning the provider assumes the credit risk of approved buyers subject to conditions and credit insurance, so there are no personal guarantees or additional security in standard cases based on its invoice finance page. Funding is available against both domestic and export receivables, with the business able to choose which invoices to submit and when, rather than signing up to a whole ledger arrangement based on its how it works page.

In both models, invoice finance is a form of funding secured on unpaid B2B invoices where the lender advances a portion of the invoice value and recoups when the customer pays, aligning with general definitions of invoice finance from the British Business Bank. Neither lender’s publicly available documents provide a complete schedule of maximum facility sizes, customer concentration limits or exact contract terms for every scenario, so specific terms vary and need to be confirmed during onboarding.

Eligibility in outline

For Kriya, the eligibility information that is publicly available points to a focus on established UK businesses. Its guidance on getting a loan refers to an eligibility checklist that includes being a UK registered limited company or LLP and meeting turnover thresholds, although the exact turnover level and detailed criteria vary and are not fully set out for every product on public pages based on its loan article. For invoice finance specifically, Kriya materials and partner pages such as Allica Bank’s Kriya overview indicate a focus on B2B firms with 30 to 90 day payment terms and trading history, but again precise criteria vary and should be confirmed individually based on Allica’s Kriya invoice finance summary and Kriya’s invoice finance contact page.

Accelerated Payments targets SMEs and corporates that issue B2B invoices and want flexible access to cash tied up in receivables, including exporters, with typical arrangements involving an advance against approved invoices and no requirement for personal guarantees based on its product page. Official materials do not publish detailed eligibility metrics like minimum turnover, minimum trading history or sector restrictions, so criteria vary and are determined during application and buyer approval based on its process description.

Risk and recourse structure

The recourse structure is one of the clearest differentiators between the two lenders. Kriya’s core documentation and educational materials explain invoice finance in general terms and refer to credit limits on buyers and bad debt protection in some contexts, but do not clearly state across public pages whether standard facilities are always non recourse or with recourse, so the specific risk structure varies by facility and should be clarified directly based on its invoice finance FAQs and terms and conditions.

Accelerated Payments, by contrast, explicitly markets its offering as non recourse, with receivables finance described as non recourse and emphasising that there are no personal guarantees or additional security under typical structures, meaning credit risk is focused on the approved customer rather than the client, subject to the usual exclusions of credit insurance policies based on its invoice finance description. Independent coverage notes that the company manages credit risk by taking out credit insurance on the approved buyers out of its margin, reinforcing the non recourse positioning while making clear that credit approval still depends on buyer quality based on Euromoney’s analysis.

2. Costs and repayments in practice

Neither Kriya nor Accelerated Payments publishes a full tariff of fees or fixed interest rates for all customers as of 2026, and both price on a case by case basis. That means any comparison has to rely on the structure of costs, how interest or discount charges accrue, and how flexible each is on usage rather than on headline percentages. Where third party sources provide generic examples of fees or advance rates for invoice finance, they are not guaranteed to match any individual offer.

How Kriya tends to charge

Kriya’s public materials describe selective invoice finance as a pay as you go product in which you are charged when you fund an invoice, with no long term contracts or hidden fees, though exact pricing varies by client and volume based on its invoice finance explanation and product page. For working capital loans and flex loans, Kriya highlights interest, fees and loan term as the main variables but does not give a single standard APR that applies to all cases, so specific rates and charges vary and need to be obtained via quote based on its business loan terms guide.

In practice, this means costs for a Kriya facility are driven by invoice volume and quality for invoice finance, and by assessed credit risk and loan duration for working capital loans; you will see a schedule of charges only once your business and debtor book have been underwritten. When comparing options, many firms use a business loan or cash flow calculator to translate those fees into an implied cost per month, although Kriya does not currently provide a detailed public repayment calculator for all its products.

How Accelerated Payments tends to charge

Accelerated Payments describes its service in terms of advancing a percentage of each approved invoice and charging a fee for the funding period, without requiring monthly minimums or long contracts, but exact discount rates and administrative charges vary and are not set out in a single public tariff based on its product page and how it works. Independent coverage and case studies have quoted indicative advances and fees in the past, but these are not committed pricing and can change, so any specific percentage figures should be treated as illustrative and confirmed directly with the provider.

Because Accelerated Payments is selective and invoice by invoice, your total cost over time is highly sensitive to how often you fund invoices and how long customers actually take to pay. Delays beyond expected due dates will tend to increase the amount of discount charge accrued on a funded invoice, which is a standard feature of invoice finance and consistent with broader explanations from sources like the Moneyfacts invoice finance guide.

Illustrative comparison table

The table below uses clearly labelled assumptions to show how costs might compare structurally between Kriya and Accelerated Payments for selective invoice finance, recognising that actual rates and fees vary in all cases. All percentages and charges are purely illustrative for comparison and are not quotations.

Worked example 1, single invoice

The following example is illustrative only and uses rounded assumptions to help you understand the mechanics. Actual fees, advance rates and timings vary for both lenders.

• Your business raises a £50,000 B2B invoice on 60 day terms.
• You fund the invoice through Kriya’s selective invoice finance facility on the day it is raised, assuming an 85 percent advance and a notional blended fee equivalent to 2 percent of the invoice value over 60 days, clearly labelled as illustrative.
• You fund an identical invoice through Accelerated Payments, also assuming an 85 percent advance and an illustrative 2 percent fee over 60 days.

On these assumptions, in both cases you would receive £42,500 upfront, with £50,000 less fees released when the customer pays. If the fee ended up being 2 percent of the invoice value, that would be £1,000. So the residual payment at 60 days would be £50,000 minus the £42,500 advance and minus £1,000 fees, leaving £6,500. The net cash received over the life of the transaction would therefore still be £49,000, but you get most of it at the start.

The main differences in practice are not the basic arithmetic but the risk allocation and conditions. With Kriya, you need to confirm whether the facility is with recourse or has bad debt protection, as this changes who ultimately bears the loss if the customer does not pay, something that varies by facility based on its FAQs. With Accelerated Payments, public materials state that the arrangement is non recourse and that the provider uses credit insurance and buyer approval to manage risk, so subject to policy terms and exclusions the lender rather than the client bears the credit loss if an approved buyer defaults, based on its positioning and Euromoney’s coverage.

Worked example 2, ongoing usage and cash flow

Consider a business that has £300,000 of eligible invoices per month, each on 60 day terms, and chooses to fund one third of them selectively through each lender as part of a mixed strategy. Again, assumptions are illustrative and the cost percentages are purely notional for comparison.

• Assume Kriya funds 85 percent of £100,000 of invoices each month at an illustrative all in fee equivalent to 2.5 percent of invoice value over 60 days.
• Assume Accelerated Payments funds 85 percent of a separate £100,000 slice each month at an illustrative all in fee equivalent to 2.8 percent over 60 days, reflecting a hypothetical premium for non recourse risk, clearly labelled as illustrative.
• The remaining £100,000 of invoices each month are unfunded and collected in the normal way.

Under these assumptions, Kriya advances £85,000 each month against the funded invoices. When customers pay, Kriya releases the remaining £15,000 per £100,000 less a £2,500 fee, so the net residual per month is £12,500. Total cash received over the life of each invoice batch is therefore £97,500, but the timing is front loaded.

For Accelerated Payments, the upfront advance is also £85,000 per £100,000 batch funded. On payment, the residual £15,000 would be released less a £2,800 fee, leaving £12,200. Total cash received over the life of each funded batch would be £97,200 on these assumptions. Across the whole £300,000 monthly billing, the average cost of finance in this simplified model would be modestly higher under the non recourse structure, reflecting the transfer of credit risk, although the exact differential in the real market varies by client and by buyer quality.

In this kind of scenario, the choice between lenders is about more than marginal cost. Some businesses are willing to pay more in total discount charges to offload buyer default risk and avoid personal guarantees, which aligns with Accelerated Payments’ positioning, whereas others prioritise blended cost across loans and invoice finance, where Kriya’s multi product approach may fit better if it reduces overall reliance on invoice funding.

3. Speed and service

Kriya markets its lending and invoice finance as relatively fast and technology driven, emphasising that applying for a business loan is designed to be straightforward and that its platform can fund invoices quickly once set up, but it does not commit to a universal same day or next day standard for every applicant, so actual approval and funding speed varies by case based on its loan guidance and invoice finance explainer. Its support infrastructure includes an invoice finance FAQ page, online contact forms and a general support hub, pointing to a digitally focused service model backed by a UK based team based on its FAQs, support page and invoice finance contact.

Accelerated Payments highlights speed as a core part of its proposition, with its how it works page describing a process where you apply through a simple form, buyers are pre approved and invoice funding follows approval, but although the marketing suggests decisions can be quick, exact timelines in hours or days vary and are not guaranteed for every applicant based on its process page. Customer communication is supported by direct contact routes along with email and telephone, and the firm positions itself as providing dedicated relationship support to help manage export and domestic receivables based on its about page.

Both lenders provide online knowledge resources explaining invoice finance, cash flow and business lending, which can help prospective clients understand their options; Kriya has a series of guides and knowledge centre articles on invoice finance and business loans, and Accelerated Payments maintains an information hub focused on cash flow management and sector specific use cases based on Kriya’s knowledge centre and Accelerated Payments’ info hub.

4. Who each lender suits

Both Kriya and Accelerated Payments are most relevant for B2B businesses issuing invoices on credit terms, but their ideal customer profiles differ.

Kriya may be a stronger fit for UK businesses that:

• want a single platform providing both invoice finance and working capital loans, without having to split their borrowing between lenders, based on its product suite.
• operate as UK registered limited companies or LLPs with established turnover and trading history, which aligns with the eligibility criteria highlighted in its loan guidance based on its loan article.
• have a mix of funding needs including seasonal cash flow smoothing, stock purchases and investment where a revolving or term loan sits alongside occasional invoice funding based on its loan type guidance.
• prefer a technology led experience with online onboarding, platforms and educational content.

Accelerated Payments may be a better match for businesses that:

• want a specialist, non recourse, selective invoice finance facility where credit risk on approved buyers is transferred to the funder subject to policy terms, and personal guarantees are not generally required based on its positioning.
• trade internationally and need to fund export invoices, including receivables denominated in other currencies, something highlighted in its materials and partnerships based on its main site and Virgin Money’s partnership announcement.
• prefer to keep existing banking or term loan arrangements separate and only use invoice finance tactically when cash flow gaps appear.
• are comfortable with a narrower product set in exchange for sector expertise in receivables finance.

In either case, sector, size and debtor profile influence suitability. Both providers and secondary sources emphasise that invoice finance is more straightforward for businesses that invoice other businesses on clear, undisputed terms and that are not heavily reliant on cash sales, which reflects general market practice based on the UK Finance overview of invoice finance and asset based lending.

5. How to apply

For Kriya, the application route differs slightly between working capital loans and invoice finance, but both start online. For working capital loans, businesses complete a form and provide basic information about company structure, turnover and funding needs, after which Kriya assesses eligibility and may request supporting documents such as accounts or bank statements, a process described in outline in its loan guidance. For invoice finance, there is a dedicated contact form for invoice finance enquiries in which you describe your requirements and a team member follows up to discuss suitability, documents and next steps based on its contact page.

Kriya also provides a general support route and a feedback and complaints channel. Its feedback page explains that complaints can be submitted by email, phone or post to a UK address, and sets expectations for how they are handled, which is relevant if you are comparing service and escalation procedures between lenders based on its feedback and complaints information.

Accelerated Payments uses a relatively simple process centred on an online form, followed by buyer approval and invoice submission. Its how it works page outlines three main stages: submit an application, have your buyers reviewed and approved, then upload invoices for funding once the relationship is in place based on its process description. The main site also offers direct contact options for queries, including email and telephone, but it does not publish a separate, detailed public complaints procedure in the same way as Kriya, so you may need to request this information directly based on its contact page.

In all cases, you should expect to provide standard financial documentation such as recent accounts, bank statements and an aged debtors report, in line with common practice in the invoice finance market and wider SME lending as summarised by UK Finance and the British Business Bank based on British Business Bank guidance and UK Finance materials.

6. Final verdict

Both Kriya and Accelerated Payments occupy important but distinct niches within the UK and international invoice finance ecosystem. Kriya builds on the MarketFinance legacy by offering a broader suite of working capital solutions, combining invoice finance and business loans under one brand and platform, which can be attractive if you want a single relationship for multiple funding needs based on its product set. Accelerated Payments instead focuses tightly on non recourse, selective invoice finance, seeking to differentiate on risk transfer, export capability and flexible usage based on its positioning and process description.

Because neither provider publishes universal rate cards or fixed advance percentages that apply to every client, any robust comparison must involve getting tailored quotes and modelling the cost based on your debtor book, sector and buyer quality. The presence or absence of recourse, the importance of export receivables and your desire to access term loans alongside invoice finance may all be more decisive than small differences in notional percentage fees.

Choose Kriya if:

• you want both working capital loans and invoice finance from the same lender, with the option to flex between them over time, as described across its site.
• your company is UK registered and has an established turnover and trading history, aligning with publicly described eligibility themes for its loans based on its eligibility guidance.
• you prefer a technology led platform with educational resources and knowledge centre content around business lending and invoice finance, based on its knowledge centre.
• you are comfortable clarifying recourse, notice periods and pricing directly during onboarding rather than relying on a published standard tariff.

Choose Accelerated Payments if:

• your primary need is non recourse, selective invoice finance where approved buyer defaults are covered by the funder subject to credit insurance, as highlighted on its invoice finance page and in independent analysis.
• you have significant export or cross border receivables and want a provider that explicitly supports international invoice finance according to its site and partner commentary.
• you prefer to keep your term loans or overdrafts with other lenders and bolt on a flexible invoice finance line as needed, with no requirement for whole ledger assignment, consistent with its selective model based on its process description.
• you place a premium on avoiding personal guarantees and additional security in your receivables finance arrangements, noting that its product pages highlight the absence of these in standard structures based on its product summary.

7. Sources

• Kriya main site
• Kriya invoice finance product page
• Kriya blog, what is invoice finance
• Kriya knowledge centre, selective invoice finance
• Kriya blog, how to get a loan for your business
• Kriya guide to business loan terms
• Kriya invoice finance FAQs
• Kriya invoice finance contact page
• Kriya support page
• Kriya feedback and complaints
• Kriya website terms and conditions
• Kriya invoice finance knowledge centre
• Kriya guide to determining the best type of loan
• Allica Bank overview of Kriya invoice finance
• Accelerated Payments main site
• Accelerated Payments invoice finance page
• Accelerated Payments, how it works
• Accelerated Payments about page
• Accelerated Payments contact page
• Accelerated Payments info hub
• Euromoney article on alternative lenders including Accelerated Payments
• Virgin Money announcement on partnership with Accelerated Payments
• British Business Bank guide to invoice finance
• Moneyfacts invoice finance guide
• UK Finance overview of invoice finance and asset based lending
• British Business Bank finance hub
• Funding Agent comparison of Accelerated Payments vs 365 Finance
• Funding Agent review of Kriya small business loans