Both close the gap between paying your supplier and getting paid by your customer. The difference is who gets the money: Kriya lends it to your business, Treyd pays your supplier's invoice directly — in their currency — and you repay once.
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Here’s what that looks like in practice.
Your supplier gets paid
Upload the supplier invoice and Treyd pays it directly, in your supplier’s currency, at the exchange rate you see before you commit. You repay Treyd once, on a date you choose — 30, 60, 90 or 120 days later. Your cash stays in the business until then.
The money goes to your business
Kriya's working capital loan puts money in your business account, then you pay the supplier yourself. Its invoice finance works at the other end of the cash cycle, advancing up to 90% against invoices you've already issued. Embedded PayLater gives buyers 30, 60 or 90-day terms when their supplier has integrated Kriya at checkout.
Kriya's mechanics as described on its own product pages for working capital loans, invoice finance and Embedded PayLater, reviewed 3 September 2026. Treyd is not affiliated with Kriya or Allica Bank.
Compare Treyd and Kriya on supplier payments, working capital, invoice finance, pricing, limits and more.
| Compared on | Treyd | Kriya |
|---|---|---|
| Who receives the money | Your supplier, paid directly in their own currency |
Your business through a working capital loan, or your business against invoices you've already issued. You then pay the supplier yourself. |
| Product structure | One revolving limit for supplier payments and customer-invoice advances | Three separate products: working capital loans, invoice finance and Embedded PayLater |
| How you repay | One payment on a date you choose — 30 / 60 / 90 / 120 days later, invoice by invoice | Loans: from 3–6 months up to 5 years. Invoice finance: settles as your customer pays. |
| Pricing published | Yes — a flat 1.4–3% per month of the amount financed. On a 90-day term, that's 4.2–9% in total. |
Kriya doesn't publish a rate on its three product pages. It states "no hidden fees or contracts — you only pay when you finance an invoice"; pricing is provided on enquiry. |
| Time to a decision | Onboarding in as little as a 24 hours; suppliers paid within 24h of approval | Loans: "an initial terms and pricing offer within 1 week." Invoice finance: up to 90% of an invoice within 24 hours once you're live. |
| Maximum limit | Up to £2m on payables and up to £2m on receivables — £4m in total across both | Invoice finance, via Allica: £100,000 to £5m, advancing up to 90% of invoice value. Working capital loans: no figure published. |
| Ledger commitment | Neither asks you to assign your whole ledger. With Treyd, you choose the supplier invoices you want to finance. Kriya's invoice finance is selective too — you upload individual invoices, get specific clients approved, and keep control of collections. |
|
| Paying overseas suppliers | Your supplier is paid directly in their local currency, at an exchange rate shown before you commit |
Kriya's loan and invoice-finance products don't pay suppliers directly. PayLater reaches buyers in 45 countries where the supplier has integrated Kriya at checkout. |
| Offering your own customers payment terms | Treyd can advance invoices you've issued, but doesn't offer payment terms to customers at your checkout |
Embedded PayLater gives your buyers 30, 60 or 90-day terms at checkout, including through Stripe, and Kriya carries the collection risk |
| Personal guarantee | Sometimes part of the facility, depending on its size and structure — we'll tell you up front if it is | Not published |
| Who you're dealing with | An independent payment institution, regulated by Finansinspektionen in Sweden | Wholly owned by Allica Bank since 20 October 2025, still trading under the Kriya brand |
| Support | A named account manager and a human team you can reach | Not published |
On pricing. Kriya doesn't publish a rate, so there isn't a like-for-like figure to compare here. Compare Treyd's price with the quote Kriya gives you over the same number of months.
Comparison based on publicly available information, last reviewed 3 September 2026. Kriya details sourced from its own product pages for working capital loans, invoice finance and Embedded PayLater, plus Allica Bank for facility sizes. Kriya offers more than one product, so where a row refers to a specific product, we've said which one. Some terms aren't published, and we've marked those as "Not published" rather than estimating them. Treyd is not affiliated with Kriya or Allica Bank. Terms change — check current terms with each provider before you decide. Spotted something out of date? Tell us and we'll fix it.
When you're paying for stock weeks or months before you sell it, keeping more cash in the business matters. Treyd is built to help you fund that gap.
Treyd pays the supplier invoice directly, in their currency. You keep your cash in the business until it's time to repay Treyd.
Factory in Guangzhou? Distributor in Rotterdam? Treyd pays them directly at the exchange rate shown before you commit. Your supplier doesn't need to join a network or set anything up first.
Treyd charges a flat 1.4–3% per month of the amount financed — 4.2–9% over a 90-day term — and shows you the exact fee before you confirm each invoice. Kriya doesn't publish a rate on its three product pages.
Use the same Treyd limit to pay supplier invoices and advance customer invoices — up to £2m on each side, £4m in total. Kriya offers these through separate products.
You get a named account manager who knows your business, suppliers and customers, backed by a human team you can reach when you need them. Kriya doesn't publish details about its account support model, so check directly with Kriya for the latest information.
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It depends on where your cash gets stuck. If it's stuck in stock you haven't received yet — you pay a supplier now and get paid by customers months later — Treyd is built for that: it pays the supplier's invoice directly and you repay once, on a date you choose. If you need a general-purpose term loan over one to five years, or you want to offer your own customers payment terms at checkout, Kriya covers ground Treyd doesn't.
Who receives the money. Treyd pays your supplier's invoice directly, in their currency, and you repay Treyd once on a date you pick. Kriya's working capital loan pays your business and you pay the supplier yourself; its invoice finance advances up to 90% against invoices you've already issued to your customers. Treyd also publishes its rate — 1.4–3% per month of the amount financed — where Kriya publishes no rate on any product page.
No. Kriya's working capital loan lends to your business and you pay your suppliers yourself. Its invoice finance works on the other side of the cycle, advancing against invoices you have issued. Its Embedded PayLater product does let you take 30, 60 or 90-day terms — but only from suppliers who have integrated Kriya into their own checkout. Treyd pays any supplier's invoice directly, whether or not that supplier has ever heard of Treyd.
Yes. Treyd pays suppliers directly, including internationally and in their local currency, with the exchange rate shown before you commit. Your supplier receives a normal payment against their invoice and doesn't need to sign up for anything.
Treyd charges 1.4–3% per month of the amount financed — on a 90-day term that's 4.2–9%, so a £100,000 supplier invoice financed for 90 days costs £4,200–£9,000. You see the exact fee on each invoice before you confirm it. Kriya does not publish a rate on its invoice finance, working capital loan or PayLater pages; it says you only pay when you finance an invoice, and quotes are given on enquiry. Compare on the quote you actually receive.
Never equity. Treyd is built so you can fund growth without diluting ownership. We do in some require a personal guarantee or a charge. We typically offer a number of options for you to consider.
Treyd's limits go up to £2m on payables — the supplier invoices Treyd pays on your behalf — and up to £2m on receivables, so £4m in total across both. Your own limit depends on your trading history and your suppliers. Kriya's invoice finance runs from £100,000 to £5m at up to 90% of invoice value, and it publishes no figure for its working capital loans. So on receivables alone Kriya's ceiling is higher; Treyd's advantage is covering both ends of the cycle under a single limit.
Yes. Allica Bank acquired Kriya on 20 October 2025 and Kriya continues to operate under its own brand, with its existing team and all three products — invoice finance, working capital loans and Embedded PayLater. Allica has said the embedded finance offering will expand into more countries.
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