Assessment
Kriya does two jobs. For a business waiting on customers to pay, it advances cash against invoices. For a B2B seller or marketplace, its PayLater product lets business buyers pay on terms while the seller is paid straight away and Kriya takes the credit risk. Use it when payment terms are holding back sales or cash flow.
Kriya launched in London, England, in 2011 as MarketInvoice and was bought by Allica Bank in October 2025, keeping its brand and team. It says it has advanced more than ~$5.4B of credit to UK businesses. Its 2024 accounts show revenue of ~$16M and a loss of ~$12M. PayLater is available to sellers on Stripe.
It fits a UK B2B seller, wholesaler or marketplace with many repeat business buyers. It is a weaker fit for a business outside the UK or one that only needs a simple term loan.
Rating by criterion
Each of the eight criteria below is scored out of 100.
Sector criteria
Kriya offers invoice finance, PayLater terms for business buyers and payments at checkout and by invoice. Underwriting looks at the buyer as well as the seller, which suits sellers with many small buyers.
Credit decisions on PayLater are made at checkout, so the buyer gets terms without a separate application. Allica's balance sheet adds funding capacity for larger sellers.
Kriya takes the credit risk on PayLater and collects from the buyer, so the seller is not chasing late payers. Ask how disputes and returns are handled and who talks to the buyer.
PayLater plugs into Stripe, ecommerce platforms and marketplaces through an API, and invoice finance draws on the seller's accounting data. Check the connection for your own checkout.
Vendor criteria
The product has moved from invoice finance into embedded B2B payments, and Allica plans to put ~$1.3B of working capital through it by 2028. Ask what changes under bank ownership.
Sellers apply online and connect accounting data. Larger PayLater integrations need a short technical project.
Fees depend on the buyer, term and volume and are not published as a rate card. Ask for the fee per term length and any minimum volumes.
Ask whether a facility is selective or whole-book, the notice period and any fee for leaving early.
Against its peers
These are the other companies in lending and credit infrastructure, with their ratings.
Fact file
| Credit advanced | More than ~$5.4B since 2011, according to Kriya |
|---|---|
| Revenue, 2024 | ~$16M |
| Owner | Allica Bank, since October 2025 |
| B2B payments processed | ~$38B, according to Kriya |
| Pricing | Quoted per seller; not published |
Competitive landscape
Business credit and B2B payment terms providers a UK seller would compare with Kriya.
Kriya: 75
Key leadership
Anil Stocker co-founded the business as MarketInvoice in 2011 and is chief executive. Martina Trifonova, at Kriya since 2015 and its chief financial officer from 2024, has been deputy managing director since January 2026. Konstantin Pasechnikov is chief technology officer.
How this review was created
This profile gives our own assessment of Kriya to companies selecting a Lending & credit infrastructure provider. The Fintech Index receives nothing for featuring a firm, for sponsorship, or for advertising, and Kriya gave us no payment for the profile.
The rating equals the average of eight criteria, with every criterion running from 0 to 100. Four address buyer needs in this sector, and four address the company together with its commercial terms.
Ratings are our editorial judgment, made from public information: pricing and legal pages, product documentation, compliance disclosures, and filings. Fact-checking took place on October 23, 2026.