{"id":166102,"date":"2019-04-15T11:15:12","date_gmt":"2019-04-15T10:15:12","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=166102"},"modified":"2025-07-14T16:36:44","modified_gmt":"2025-07-14T15:36:44","slug":"marketinvoice","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/business-loans\/marketinvoice","title":{"rendered":"Kriya business loan calculator and review 2026 review"},"content":{"rendered":"<p>When MarketInvoice (as it was then known) launched in 2011, it became the UK\u2019s first online-only <a href=\"https:\/\/www.finder.com\/uk\/business-loans\/invoice-financing\">invoice finance<\/a> provider. It\u2019s grown to become one of the largest invoice finance providers in Europe, having now funded billions of pounds worth of invoices.<\/p><p>It\u2019s a peer-to-peer (P2P) lender and member of the Peer-to-Peer Finance Association, with both public and private investors.<\/p><p>The platform rebranded in November 2019 and now provides a quick, simple application process and a range of invoice finance arrangements to choose from. You can choose to pay a fixed monthly fee or work with the company on a pay-as-you-go basis. In the future, Kriya has stated it is also planning to offer traditional business loans of up to \u00a3500,000 paid over 12 months.<\/p>\n\n\n<h3>See how much it'll cost you to take out a Kriya loan<\/h3>\n\n\n<article id=\"ukfblcalc\" class=\"luna-card luna-card--border\" style=\"overflow: visible;\">\n<div class=\"luna-card__block\">\n<form class=\"luna-form\" onsubmit=\"return false\">\n<fieldset class=\"luna-form__fieldset\">\n<legend class=\"luna-legend\">Kriya business loan calculator<\/legend>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput1\">How much do you want to borrow from Kriya?<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"10\" placeholder=\"Loan amount\" id=\"ukfininput1\">\n<\/div>\n<\/div>\n\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput2\">Are there any fees?<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"1\" placeholder=\"Fees\" id=\"ukfininput2\">\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput3\">What rate has Kriya offered you?<\/label>\n<div class=\"luna-affix\">\n<input class=\"luna-input\" type=\"number\" step=\"0.01\" placeholder=\"Interest rate\" id=\"ukfininput3\">\n<span class=\"luna-affix__label\">%<\/span>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput4\">How long do you want borrow for?<\/label>\n<input class=\"luna-input\" type=\"number\" step=\"1\" placeholder=\"Loan term (years)\" id=\"ukfininput4\">\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__actions\">\n<button class=\"luna-button luna-button--primary\" onclick=\"showResults(0);document.dispatchEvent( new CustomEvent('ga4.track', { detail: { name: 'formSubmitted', params: { formFields: { 'text': 'Rate: ' + Number(document.getElementById('ukfininput3').value) + ((window.sawTooltip || false) ? ' sawtooltip' : '') + ((window.matchedAvg || false) ? ' matchedavg' : '') } } } }));\">Calculate<\/button>\n<\/div>\n<\/div>\n\n<\/fieldset>\n<\/form>\n\n<article class=\"luna-card luna-card--alt has-margin-top-small\">\n<div class=\"luna-card__block\">\n<p class=\"text-x-large no-margin-bottom\" id=\"resultmessage\">Use the fields above to estimate business loan costs.<\/p>\n<div id=\"clcdsclmr\" class=\"text-small is-hidden\">Please note this calculator provides illustrative estimates only.<\/div>\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n<div id=\"toppicks-methodology\" class=\"topPicksMethodology--shortcode luna-accordionGroup accordionGroup\">\n\t<div class=\"luna-accordion\" data-accordion=\"accordion\">\n\t\t<div class=\"luna-accordion__summary\">\n\t\t\t<h4 class=\"luna-accordion__heading\">\n\t\t\t\t<button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"methodology-expander-0000000000\" data-toggle=\"collapse\" data-target=\"#methodology-expander-0000000000\">\n\t\t\t\t\t<span class=\"luna-accordion__title\">How our calculator works<\/span>\n\t\t\t\t\t<svg class=\"luna-icon topPicksMethodology__toggleIcon\" aria-hidden=\"true\">\n\t\t\t\t\t\t<use xlink:href=\"#chevron-down\" data-toggle-icon=\"show\" class=\"topPicksMethodology__toggleIcon-down\"><\/use>\n\t\t\t\t\t\t<use xlink:href=\"#chevron-up\" data-toggle-icon=\"hide\" class=\"topPicksMethodology__toggleIcon-up is-hidden\"><\/use>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/button>\n\t\t\t<\/h4>\n\t\t<\/div>\n\t\t<div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"methodology-expander-0000000000\" data-accordion=\"details\" style=\"height: 0px;\">\n\t\t\t<div class=\"accordionContent\">This tool is designed to help you estimate the monthly and overall costs of borrowing . You can adjust the duration of the loan and the interest rate to get a better idea of what would be affordable. Our calculations assume that any fees involved are bundled in with the loan amount and repaid over the same term, at the same rate. Refer to your loan agreement for exact repayment amounts as they may vary from our calculations.<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n \n\n<script>\n\nfunction showResults(onld) {\nvar amount = Number(document.getElementById(\"ukfininput1\").value);\nvar fees = Number(document.getElementById(\"ukfininput2\").value);\nvar rate = Number(document.getElementById(\"ukfininput3\").value) \/ 100;\nvar term = Number(document.getElementById(\"ukfininput4\").value);\n\n\nvar months = term * 12;\nvar j = rate \/ 12;\n    var m = j \/ (1 - (1 \/ (Math.pow((1 + j), months))));\n    var monthlysum = (amount + fees) * m;\n    var totalsum = monthlysum * months;\n\n    monthlysum = ((Math.round(monthlysum * 100)) \/ 100);\n    totalsum = ((Math.round(totalsum * 100)) \/ 100);\n\n    var monthlySumFormatted = monthlysum.toLocaleString(\"en-GB\", { style: \"currency\", currency: \"GBP\", minimumFractionDigits: 2 });\n    var totalSumFormatted = totalsum.toLocaleString(\"en-GB\", { style: \"currency\", currency: \"GBP\", minimumFractionDigits: 2 });\n\n    var resultmessage = document.getElementById(\"resultmessage\");\n    resultmessage.innerHTML = '<div class=\"results no-padding-top\" id=\"results\"><article class=\"luna-card luna-card--alt no-margin-bottom\"><div class=\"luna-card__block text-center\"><h4>Based on these inputs, your loan would cost around <span class=\"fin-text-blue\">' + monthlySumFormatted + ' each month and <span class=\"fin-text-blue\"> ' + totalSumFormatted + ' overall.';\n\n    document.getElementById(\"clcdsclmr\").classList.remove('is-hidden');\n\n    if (onld == 0) {\n        resultmessage.scrollIntoView({ behavior: 'smooth' });\n    }\n}\n\n\n\n\n\n<\/script>\n<h3>Compare invoice financing options<\/h3><div class=\"fin-text-grey text-x-small has-margin-bottom\">Use arrow to sort table.  Default is promoted\/partner brands first, sorted by max invoice advance <\/div><div class=\"content tableWithFilters\n        \n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"fa6391f9-05fb-4738-8865-9f5e05c57ce7\" data-template=\"comparison\" data-niche=\"UKFBL\" data-site=\"UKFBL\" data-auto-recalculate=\"true\" data-post-country=\"uk\" data-fieldset=\"invoicefinance\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"166102\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-featured-product-id=\"a3fb497a-eae3-4bcc-a8ba-b3b2de742671\" data-enable-top-filters=\"false\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFBL\",\"fieldset\":\"invoicefinance\",\"template\":\"comparison\",\"category_id\":\"fa6391f9-05fb-4738-8865-9f5e05c57ce7\",\"category_name\":\"invoicefinance\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1778369361}' data-disable-alternative-products=\"true\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"\" data-niche-default-path=\"\" data-experiment-flags=\"\"><section class=\"comparison-calculator--container\"><div class=\"comparison-actions\"><div class=\"mobileSort__root\"><\/div><div class=\"u-grid u-grid--gutterCollapse templateTable__dateAndCounterContainer\"><div class=\"u-grid__col u-1\/2\"><small class=\"templateTable__counterContainer\"><span id=\"js-current_product_count-fa6391f9-05fb-4738-8865-9f5e05c57ce7\">4 of 4 results<\/span><\/small><\/div><div class=\"u-grid__col u-1\/2 templateTable__lastUpdatedWithCounterContainer\"><span><a aria-label=\"Data updated\" class=\"disclaimer_popup u-color--foreground-main horizontal-promo-box__popup finder-modal-trigger\" data-modal-id=\"data_updated_popup\"><svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg><span class=\"u-pl--1\">Updated\n\t\t\t\t\tregularly<\/span><\/a><\/span><\/div><\/div><\/div><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-mobile-compare=\"true\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"UKFBL\" data-site=\"UKFBL\" data-table-id=\"1772\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-leadform-modal=\"\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFBL\",\"fieldset\":\"invoicefinance\",\"template\":\"comparison\",\"category_id\":\"fa6391f9-05fb-4738-8865-9f5e05c57ce7\",\"category_name\":\"invoicefinance\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1778369361}'><div class=\"comparisonHistory__root\"><\/div><table class=\"comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000001\" data-has-sidepeek=\"true\" data-rendered-as=\"table\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"ukfbl\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"20\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"4\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-table-filter-presets=\"7d1f9e6a6cfbbf13c3e2ac4440ff9bbe44eb6244be2d4b8d6e7560a84e9b95ad\" data-table-record-type=\"product\" data-table-record-ids='[\"5b20b031-5c12-4eb6-b1e0-06c453b0e5aa\",\"5822610a-2c5c-46f0-bb73-5b4ef738c24a\",\"883dec66-851c-48da-9f7a-40c3edebae15\",\"a3fb497a-eae3-4bcc-a8ba-b3b2de742671\"]' data-total-data=\"4\" data-enable-top-filters=\"false\" data-total-product-count=\"4\" data-sponsored-placements=\"3\" data-sponsored-field-code=\"DERIVED.AD_RANK\" data-sponsored-max-per-provider=\"1\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-3\"><th data-ajax-table-sorter-column=\"PRODUCT.DESCRIPTIONS.MAX_INVOICE_ADVANCE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"maximum_percentage_of_invoice\">\n                                                        Maximum percentage of invoice\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th class=\"comparison-table__feature  sorter-false  \" data-field-targetable=\"\" data-sorter-title=\"invoice_terms\">\n                                                        Invoice terms\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKFBL.PRODUCT.UKFBL_BASIC_REQUIREMENTS\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"minimum_turnover\/trading_criteria\">\n                                                        Minimum turnover\/trading criteria\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><\/tr><\/thead><tbody><style>\n\t.rewards-infobox .deals-banner { display:flex; flex-direction: row; border-radius: 16px; border:1px solid #000; overflow: hidden; }\n\t.rewards-infobox .deals-left { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); display:flex; flex-direction: column; align-items:center; justify-content:space-between; position: relative; width: 110px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-left { width: 110px; } }\n\t.rewards-infobox .deals-right { background:#1a50ff; color:#fff; padding: 8px; display:flex; flex-direction: column; gap:2px; justify-content:center; flex: 1; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-right { padding: 8px; } }\n\t.rewards-infobox .deals-phone { position: absolute; top: 8px; left: 12px; }\n\t.rewards-infobox .deals-ends { color:#000; font-weight:800; font-size:12px; line-height:12px; padding:6px 10px; font-style: italic; border-radius: 9999px; display:inline-flex; align-items:center; text-transform: uppercase; display: none; }\n\t.rewards-infobox .deals-ends-text { padding-top: 2px; }\n\t.rewards-infobox .deals-header { display:flex; align-items:center; flex-wrap: nowrap; gap:4px; cursor:pointer; }\n\t.rewards-infobox .deals-amount { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); color:#232320; font-size:32px; line-height:28px; letter-spacing: -0.75px; text-transform: uppercase; padding: 2px 4px 0 2px; border-radius: 4px; font-style: italic; font-weight: bold; font-size: 30px; }\n\t.rewards-infobox .deals-title { color: white; text-transform: uppercase; font-style:italic; font-weight:bold; font-size:16px; flex: 1; }\n\t.rewards-infobox .deals-list { display:flex; flex-direction: column; flex-wrap: wrap; gap:2px; margin: 4px 0 2px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-list { flex-direction: row; row-gap: 4px; column-gap: 20px; } }\n\t.rewards-infobox .deals-step { display:flex; align-items: baseline; gap:4px; }\n\t.rewards-infobox .deals-step-num { background:#FFD23B; color:#000; display:inline-flex; align-items:center; justify-content:center; font-weight:bold; font-style: italic; border-radius:2px; font-size:12px; margin-top:2px; line-height: 12px; padding-top: 2px; min-width: 11px; }\n\t.rewards-infobox .deals-step-text { color:#fff; font-size:12px; line-height:16px; font-weight: bold; }\n\t.rewards-infobox .deals-disclaimer { color:#E8EEFF; font-size:12px; margin-top: 4px; width: fit-content; }\n\t.rewards-infobox .deals-disclaimer a { color:#BFD0FF; text-decoration: underline; font-size: 12px; }\n\t.rewards-infobox .rewards-end-date { font-size: 12px; }\n\t\n\t\t.rewards-infobox .deals-countdown {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tmargin-top: 8px;\n\t\tflex-wrap: wrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__label {\n\t\tcolor: #fff;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\tpadding-right: 6px;\n\t\twhite-space: nowrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__timer {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tgap: 4px;\n\t}\n\n\t.rewards-infobox .deals-countdown__unit {\n\t\tdisplay: inline-flex;\n\t\talign-items: center;\n\t}\n\n\t.rewards-infobox .deals-countdown__value {\n\t\tbackground: #FFD238;\n\t\tcolor: #000;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\ttext-align: center;\n\t\tfont-style: italic;\n\t\tmin-width: 24px;\n\t\tmin-height: 14px;\n\t\tline-height: 100%;\n\t\tletter-spacing: -0.025em;\n\t\tfont-feature-settings: 'tnum' on, 'lnum' on;\n\t\tpadding: 2px;\n\t}\n\n\t.rewards-infobox .deals-countdown__separator {\n\t\tcolor: #fff;\n\t\tfont-size: 16px;\n\t\tfont-weight: 600;\n\t}\n\n\t@media (max-width: 600px) {\n\t\t.rewards-infobox .deals-countdown__value {\n\t\t\tpadding: 2px;\n\t\t}\n\t}\n\n\t\ttd.comparison-table__feature--longtext div.comparison-table__cellWrapper { width: 100%; }\n\n\t\t@media (max-width: 600px) {\n\t\t.reward-col-order-3 { grid-row: 3 !important; }\n\t\t.reward-col-order-4 { grid-row: 4 !important; }\n\t\t.reward-col-order-5 { grid-row: 5 !important; }\n\t\t.reward-col-order-6 { grid-row: 6 !important; }\n\t\t.reward-col-order-7 { grid-row: 7 !important; }\n\t\t.reward-col-order-8 { grid-row: 8 !important; }\n\t\t.reward-col-order-neg-3 { grid-row: -3 !important; }\n\t\t.reward-col-order-neg-4 { grid-row: -4 !important; }\n\t\t.reward-col-order-neg-5 { grid-row: -5 !important; }\n\t\t.reward-col-order-neg-6 { grid-row: -6 !important; }\n\t\t.reward-col-order-neg-7 { grid-row: -7 !important; }\n\t\t.reward-col-order-neg-8 { grid-row: -8 !important; }\n\t}\n<\/style><style>\n  \/* Gold gradient on minimal UX reward rows (desktop only) *\/\n  @media (min-width: 601px) {\n    tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] {\n      background: linear-gradient(45deg, rgba(255, 210, 59, 0) 76%, rgba(255, 210, 59, 0.5) 100%), #fff;\n      background-repeat: no-repeat;\n      background-size: 50% 50%;\n      background-position: top right;\n    }\n  }\n\n  tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] > td.comparison-table__cta {\n    gap: 4px;\n    margin-top: 0 !important;\n  }\n\n  \/* Pill wrapper centered in CTA cell (td is display:grid with 3 columns) *\/\n  .rewards-pill-wrapper {\n    z-index: 3;\n    align-self: flex-end;\n    justify-self: flex-end;\n\n    @media (max-width: 600px) {\n      grid-column: 1 \/ -1;\n      text-align: center;\n      justify-self: unset;\n    }\n  }\n\n  \/* &#9472;&#9472; Base pill styles (original compact design) &#9472;&#9472; *\/\n  .rewards-pill {\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n    border: 1px solid #E6B40F;\n    border-radius: 4px 20px 20px 20px;\n    padding: 0px 8px 0px 2px;\n    cursor: pointer;\n    position: relative;\n    overflow: visible;\n    transition: filter 0.15s ease;\n    height: 24px;\n    box-sizing: border-box;\n\n    @media (max-width: 600px) {\n      box-shadow: 0 0 24px 0 rgba(255, 210, 59, 0.75);\n    }\n  }\n\n  .rewards-pill__shimmer {\n    position: absolute;\n    top: 0;\n    left: 0;\n    right: 0;\n    width: 100%;\n    height: 100%;\n    border-radius: 4px 20px 20px 20px;\n    overflow: hidden;\n    pointer-events: none;\n  }\n\n  .rewards-pill__shimmer::after {\n    content: '';\n    position: absolute;\n    top: 0;\n    width: 50%;\n    height: 100%;\n    background: linear-gradient(\n      90deg,\n      transparent 0%,\n      rgba(255, 255, 255, 0.5) 50%,\n      transparent 100%\n    );\n    animation: rewards-pill-shimmer 4s infinite;\n  }\n\n  .rewards-pill__icon {\n    z-index: 2;\n    display: flex;\n    align-items: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .rewards-pill__icon-svg {\n    width: 44px;\n    height: 27.75px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 55%;\n    left: 3%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #092673;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  \/* &#9472;&#9472; New design overrides (data-show-tc=\"true\") &#9472;&#9472; *\/\n  .rewards-pill[data-show-tc=\"true\"] {\n    padding: 0px 10px 0px 4px;\n    border-radius: 4px 32px 32px 32px;\n    height: 38px;\n    align-items: center;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n    border-radius: 4px 32px 32px 32px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg {\n    width: 68px;\n    height: 48px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n    top: 0;\n    left: 0;\n    margin-top: 0;\n    margin-left: 0;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-style: italic;\n    font-size: 16px;\n    line-height: 18px;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #092673;\n    white-space: nowrap;\n    text-transform: none;\n  }\n\n  .rewards-pill__content {\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    z-index: 1;\n    height: 100%;\n    padding: 2px 0;\n    box-sizing: border-box;\n  }\n\n  .rewards-pill__tc {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 400;\n    font-style: normal;\n    font-size: 10px;\n    line-height: 130%;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    text-decoration: underline;\n    text-decoration-style: solid;\n    color: #092673;\n    white-space: nowrap;\n  }\n\n  .rewards-pill__tc:hover {\n    opacity: 0.8;\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n<\/style><tr data-product-id=\"5b20b031-5c12-4eb6-b1e0-06c453b0e5aa\" data-provider-id=\"c35d5752-59e9-4892-9eb0-dc4963038087\" data-product-name=\"Penny Freedom\" data-provider-name=\"Penny Freedom\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-4  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6092a388f0467.png\" alt=\"Penny Freedom logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6092a388f0467.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6092a388f0467.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6092a388f0467.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6092a388f0467.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6092a388f0467.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><span>Penny Freedom<\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                            first-row\n                                                                                                                        \" data-sortvalue=\"100\" data-column-index=\"1\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Maximum percentage of invoice\">\n                        100%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                         sorter-false\" data-sortvalue=\"From 10 days to 90 days\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Invoice terms\">\n                        From 10 days to 90 days\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfbl.product.ukfbl_basic_requirements\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Minimum turnover\/trading criteria\">\n                        No specified minimum turnover or time trading\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--description comparison-table__feature--longtext sorter-false \" data-sortvalue=\"\" data-mobile=\"\" data-desktop=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-description js-calculator-table-value\" data-heading=\"Product Description\">\n                      Unlock up to 100% of the capital in invoices, minus administration fee, within 24 hours.\n                  <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Penny Freedom\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"5b20b031-5c12-4eb6-b1e0-06c453b0e5aa\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000003-5b20b031-5c12-4eb6-b1e0-06c453b0e5aa\" value=\"5b20b031-5c12-4eb6-b1e0-06c453b0e5aa\" name=\"productID\" _productname=\"                            Penny Freedom            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"5b20b031-5c12-4eb6-b1e0-06c453b0e5aa\"}'><label class=\"luna-label\" for=\"compare-product-0000000003-5b20b031-5c12-4eb6-b1e0-06c453b0e5aa\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"5822610a-2c5c-46f0-bb73-5b4ef738c24a\" data-provider-id=\"9e835b12-c8ac-4a2e-b0f8-1b4ac51b5044\" data-product-name=\"Metro Bank Invoice Finance\" data-provider-name=\"Metro Bank\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-4  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/business-loans\/metro-bank\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5fc90420725f2.png \" alt=\"Metro Bank logo\" class=\"lazysizes\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/business-loans\/metro-bank\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Metro Bank Invoice Finance<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                            first-row\n                                                                                                                        \" data-sortvalue=\"90\" data-column-index=\"1\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Maximum percentage of invoice\">\n                        90%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                         sorter-false\" data-sortvalue=\"28 day notice\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Invoice terms\">\n                        28 day notice\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfbl.product.ukfbl_basic_requirements\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Minimum turnover\/trading criteria\">\n                        No specified minimum turnover or time trading\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Metro Bank Invoice Finance\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"5822610a-2c5c-46f0-bb73-5b4ef738c24a\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000003-5822610a-2c5c-46f0-bb73-5b4ef738c24a\" value=\"5822610a-2c5c-46f0-bb73-5b4ef738c24a\" name=\"productID\" _productname=\"                            Metro Bank Invoice Finance            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"5822610a-2c5c-46f0-bb73-5b4ef738c24a\"}'><label class=\"luna-label\" for=\"compare-product-0000000003-5822610a-2c5c-46f0-bb73-5b4ef738c24a\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"883dec66-851c-48da-9f7a-40c3edebae15\" data-provider-id=\"0bee4c7a-1043-4393-8e46-5227e3d971f8\" data-product-name=\"Kriya Invoice Finance\" data-provider-name=\"Kriya\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-4  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/business-loans\/marketinvoice\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5e5d58e85f6a9.png\" alt=\"Kriya logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5e5d58e85f6a9.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5e5d58e85f6a9.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5e5d58e85f6a9.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5e5d58e85f6a9.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5e5d58e85f6a9.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/business-loans\/marketinvoice\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Kriya Invoice Finance<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                            first-row\n                                                                                                                        \" data-sortvalue=\"90\" data-column-index=\"1\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Maximum percentage of invoice\">\n                        90%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                         sorter-false\" data-sortvalue=\"From 30 days\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Invoice terms\">\n                        From 30 days\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfbl.product.ukfbl_basic_requirements\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Minimum turnover\/trading criteria\">\n                        \u00a3100,000 annual turnover,<br>1 year trading\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--description comparison-table__feature--longtext sorter-false \" data-sortvalue=\"\" data-mobile=\"\" data-desktop=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-description js-calculator-table-value\" data-heading=\"Product Description\">\n                      Choose specific invoices to sell or leverage your entire sales ledger. Receive up to 90% of your invoice within 24 hours then the remainder, minus fees, when your customer pays.\n                  <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Kriya Invoice Finance\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"883dec66-851c-48da-9f7a-40c3edebae15\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000003-883dec66-851c-48da-9f7a-40c3edebae15\" value=\"883dec66-851c-48da-9f7a-40c3edebae15\" name=\"productID\" _productname=\"                            Kriya Invoice Finance            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"883dec66-851c-48da-9f7a-40c3edebae15\"}'><label class=\"luna-label\" for=\"compare-product-0000000003-883dec66-851c-48da-9f7a-40c3edebae15\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"a3fb497a-eae3-4bcc-a8ba-b3b2de742671\" data-provider-id=\"96d74c22-a6a1-40ba-9c8e-0f8743b91b65\" data-product-name=\"Nest Invoice Financing\" data-provider-name=\"Nest Business Loans\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-4  js-comparison-table__row  heroInTable__featuredProduct heroInTable__featuredProduct--yellow\"><td class=\"comparison-table__name combined-column-header sponsored-row  f1-clarity-header\"><div class=\"table-disclaimer__cellWrapper\"><button class=\"table-disclaimer\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" title=\"Important information about this website\" type=\"button\"><span class=\"table-disclaimer__text\"><span class=\"badge-text\">Promoted<\/span><\/span><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#info\"><\/use><\/svg><\/button><\/div><a href=\"https:\/\/www.finder.com\/uk\/business-loans\/nest\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/63ea63f060409.jpg\" alt=\"Nest Business Loans logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/63ea63f060409.jpg?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/63ea63f060409.jpg?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/63ea63f060409.jpg?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/63ea63f060409.jpg?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/63ea63f060409.jpg?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/business-loans\/nest\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Nest Invoice Financing<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                            first-row\n                                                                                                                        \" data-sortvalue=\"90\" data-column-index=\"1\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Maximum percentage of invoice\">\n                        90%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                         sorter-false\" data-sortvalue=\"N\/A\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Invoice terms\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfbl.product.ukfbl_basic_requirements\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Minimum turnover\/trading criteria\">\n                        No specified minimum turnover or time trading\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Nest Invoice Financing\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"a3fb497a-eae3-4bcc-a8ba-b3b2de742671\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000003-a3fb497a-eae3-4bcc-a8ba-b3b2de742671\" value=\"a3fb497a-eae3-4bcc-a8ba-b3b2de742671\" name=\"productID\" _productname=\"                            Nest Invoice Financing            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"a3fb497a-eae3-4bcc-a8ba-b3b2de742671\"}'><label class=\"luna-label\" for=\"compare-product-0000000003-a3fb497a-eae3-4bcc-a8ba-b3b2de742671\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button 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comparison-table__paginationNav\"><button class=\"luna-button luna-button--primary js-comparison-table__showMore\" type=\"button\" data-offset=\"\">Load More<\/button><div class=\"js-show-more-data_count-fa6391f9-05fb-4738-8865-9f5e05c57ce7 comparison-table__dataCount\">Showing\n\t\t\t4\n\t\t\tof\n\t\t\t4\n\t\t\tresults\t\t<\/div><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"UKFBL\" data-rewards-component=\"compare-products\"><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n\n\n\n\n\n\n \n\n\n\n\n<h3>Quick overview of Kriya business loans<\/h3>\n\n<table class=\"i_infobox product_infobox\">\n<tbody>\n\n<tr>\n<th>Minimum trading period<\/th>\n<td class=\"i_infobox_data product_infobox_data\">1 year\n<\/td>\n<\/tr><tr>\n<th>Loan terms<\/th>\n<td class=\"i_infobox_data product_infobox_data\">Terms not specified \n<\/td>\n<\/tr>\n<tr>\n<th>Loan amounts<\/th>\n<td class=\"i_infobox_data product_infobox_data\">Loan amount not specified \n<\/td>\n<\/tr>\n<tr>\n<th>Minimum turnover<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\u00a3100,000\n<\/td>\n<\/tr><\/tbody>\n<\/table><h3 id=\"invoice-finance\">Kriya invoice financing options<\/h3><ul class=\"list-10 has-margin-bottom\"><li><strong>Selective invoice discounting.<\/strong> You upload specific unpaid invoices you want to borrow against onto the Kriya website. The lender aims to verify your invoice and pay you 90% of its value (minus a fee) within 24 hours. You receive the rest of the payment after your invoice has cleared.<\/li><li><strong>Confidential invoice discounting.<\/strong> This option allows you to borrow against <em>all<\/em> your unpaid invoices automatically. You\u2019ll need to allow Kriya to connect to your accounting software and complete due diligence on your company. If deemed eligible for this option, Kriya will set up a Barclays business bank account on your behalf. Going forward, you would need to tell the clients you invoice to pay into this bank account. Kriya will also deposit funds there, based on the invoice information given in your accounting software.<\/li><li><strong>Contract finance.<\/strong> This allows you to borrow against the value of future revenue from contracts\/retainers.<\/li><\/ul><h3>What fees will I pay?<\/h3><p>Fees are charged as a percentage of the amount borrowed. These percentages are dependent on a number of factors, including the size of your business, expected payment date, the amount of trades performed on the website and the type of loan you sign up for.<\/p><p>You can expect fees to total between 1% to 3% of your invoice values. You\u2019ll be offered a quote before each transaction (pay-as-you-go) or before signing up to a contract (confidential).<\/p><p>If you sign up for a 12-month subscription, you\u2019ll pay a <strong>flat monthly fee, plus a smaller percentage of your invoices<\/strong>. This is likely to save you money if you\u2019re planning to use the service regularly.<\/p><h3>Key features of Kriya invoice financing at a glance<\/h3><p>Here are some of the features that Kriya has added to make securing business finance fast and effective.<\/p><ul class=\"list-10\"><li>Release up to  of the capital in invoices within 24 hours.<\/li><li>Easy-to-use online account management.<\/li><li>Choose between pay-as-you-go or monthly payment options.<\/li><li>Automatic payments via confidential invoice discounting service.<\/li><li>Credit insurance to protect you against clients failing to pay.<\/li><li>Credit control services allowing you to optimise your sales ledger performance.<\/li><li>Telephone and email support during business hours.<\/li><\/ul><h4>Am I eligible for Kriya invoice finance?<\/h4><div data-category=\"\" data-niche=\"UKFBL\" data-fieldset=\"eligibility\" class=\"UKFBL eligibility \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th>Minimum turnover<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a3100,000<\/td><\/tr><tr><th>Minimum trading requirement<\/th><td class=\"i_infobox_data product_infobox_data\">1 year<\/td><\/tr><tr><th>Business types<\/th><td class=\"i_infobox_data product_infobox_data\">Limited Company,Limited Liability Partnership<\/td><\/tr><tr><th>Geography<\/th><td class=\"i_infobox_data product_infobox_data\">UK-based<\/td><\/tr><tr><th>Additional eligibility info<\/th><td class=\"i_infobox_data product_infobox_data\">Must not have any form of insolvency notice or proceedings against the business. Must not have a principal owner\/director that is disqualified, bankrupt or subject to other form of personal insolvency.<\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><p>To be eligible for <strong>selective invoice finance<\/strong>, you\u2019ll need a limited company or LLP based in the UK or Ireland with an annual turnover of at least \u00a3100,000.<\/p><p>To be eligible for <strong>confidential invoice finance<\/strong>, you\u2019ll need a limited company or LLP based in the UK or Ireland with an annual turnover of least \u00a3500,000 (or \u00a3250,000 with credit control). You\u2019ll need to provide two years of trading history (or one year with credit control) and use one of the accounting software brands supported by Kriya.<\/p><p>To be eligible for <strong>contract finance<\/strong>, you\u2019ll need a limited company or LLP based in the UK or Ireland with an annual turnover of least \u00a3300,000. You\u2019ll need to provide 2 years of trading history and you\u2019ll need to have contracts with UK companies with minimum turnover of \u00a36.5 million p.a. or non-UK companies with minimum turnover of \u00a350 million p.a.<\/p><h3 id=\"business-loans\">Kriya business loans<\/h3><div data-category=\"\" data-niche=\"UKFBL\" data-fieldset=\"default\" class=\"UKFBL default \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th>Loan type<\/th><td class=\"i_infobox_data product_infobox_data\">Fixed rate Unsecured Peer-to-peer   loan<\/td><\/tr><tr><th>Credit limits<\/th><td class=\"i_infobox_data product_infobox_data\">No specified loan amounts<\/td><\/tr><tr><th>Loan rate type<\/th><td class=\"i_infobox_data product_infobox_data\">Fixed<\/td><\/tr><tr><th>Funding speed<\/th><td class=\"i_infobox_data product_infobox_data\">You could get up to 90% of your invoice funded within 24 hours.<\/td><\/tr><tr><th>Personal guarantee<\/th><td class=\"i_infobox_data product_infobox_data\">A personal guarantee may be required<\/td><\/tr><tr><th>Repayment holiday<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--error luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th>Arrangement fee<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><h4>Am I eligible for a Kriya business loan?<\/h4><p>As well as being confident you can meet the repayment schedule, you\u2019ll need to meet the following criteria in order to be considered:<\/p><div data-category=\"\" data-niche=\"UKFBL\" data-fieldset=\"eligibility\" class=\"UKFBL eligibility \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th>Minimum turnover<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a350,000<\/td><\/tr><tr><th>Minimum trading requirement<\/th><td class=\"i_infobox_data product_infobox_data\">2 years<\/td><\/tr><tr><th>Business types<\/th><td class=\"i_infobox_data product_infobox_data\">Limited Company,Limited Liability Partnership,Public Limited Company<\/td><\/tr><tr><th>Geography<\/th><td class=\"i_infobox_data product_infobox_data\">UK-based<\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><h3>Alternative sources of funding<\/h3><p>Invoice financing is likely to be a suitable option for businesses that invoice their clients with long payment terms and need a smooth cashflow.<\/p><p>It\u2019s commonly used by companies in the transport, construction, recruitment and marketing industries, as well those involved in exporting and distributing goods.<\/p><p>However, it\u2019s likely to not be the only form of business finance available to you.<\/p><ul class=\"list-10\"><li>If you\u2019re only looking to borrow a small amount of money on a regular basis, a <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\">business credit card<\/a> could prove more suitable.<\/li><li>If you\u2019re after flexible access to emergency funds for working capital, you may be better suited to a <a href=\"https:\/\/www.finder.com\/uk\/business-loans\/business-line-of-credit\">business line of credit<\/a> or an <strong>overdraft on your business bank account<\/strong> (but check the charges for this final option, because they can be extortionate).<\/li><li>If your revenue comes from card transactions, a <a href=\"https:\/\/www.finder.com\/uk\/business-loans\/merchant-cash-advance\">merchant cash advance<\/a> lets you borrow a lump sum upfront for a flat fee, then make repayments as a small percentage of future card transactions. The advantage of this is that if business is slow, you repay more slowly, and if business is good, you repay faster \u2013 either way, the overall cost is the same.<\/li><\/ul><h3>Kriya customer reviews<\/h3><p>Kriya has received positive reviews from its customers, according to customer review sites like TrustPilot and Google Reviews.<\/p><p>It currently has a TrustPilot rating of 4.5 out of 5, based on 549 reviews (updated May 2024). Those Kriya customers who rated the P2P lender below average complained of the \u201clack\u201d or \u201cslow\u201d communication they received. On the flip side to this, 85% of reviewers who rated the lender the full 5 stars, stated that the service is \u201cquick, efficient and reliable\u201d.<\/p><h3>Customer support<\/h3><p>For any queries regarding your business loan, you can fill out an online form found on the Kriya website or you call customer support on +44 (0)808 169 4200.<\/p><h3>The bottom line<\/h3><p>Kriya changed the game when it became the UK\u2019s first online invoice finance service. It\u2019s faster and more flexible than its brick-and-mortar based competitors, and offers competitive fees. If you\u2019re looking for a simple and quick invoice finance service, this company is worth a look.<\/p>                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Is Kriya legit?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Invoice financing is not currently regulated by the Financial Conduct Authority (FCA), but Kriya is signed up to the Peer-to-Peer Finance Association (P2PFA), which requires its members to adhere to a set of rules to promote good practice and to protect consumers.<p>Kriya has partnered with household names like Barclays, and the Government\u2019s British Business Bank has even funded businesses through the platform.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What if a trade is overdue?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">There\u2019s usually a two-week buffer, after which Kriya will email asking for an update. Where your customer has informed you of a delay, you\u2019ll need to show evidence of this, and may be able to request an extension. You\u2019ll have the option to repurchase the debt or propose a repayment plan. Failing these steps, you\u2019ll be obliged to repurchase the debt, and Kriya may use funds in your trust account towards this.<\/div>\n  <\/div>\n<\/li><\/ul> <article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Discover if the invoice financing options available from this P2P innovator are a good match for your business.<\/p>\n","protected":false},"author":195,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2866],"tags":[],"asset_tag":[],"class_list":["post-166102","post","type-post","status-publish","format-standard","hentry","category-business-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kriya (formerly MarketFinance) 2026 review | Finder UK<\/title>\n<meta name=\"description\" content=\"Get to grips with this P2P lender&#039;s business finance options to see if it has a solution that&#039;s suitable for your business. 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