Kriya
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Kriya Alternatives

An alternative to Kriya is another embedded-finance and banking-infrastructure vendor to compare for APIs, go-to-market story, and customer proof. We list 10 peers here so you can shortlist without building a full market map from scratch. It is like comparing analytics tools: the category is shared, but depth, regions, and pricing differ.

Looking for Kriya Alternatives?

Kriya is a leading embedded finance platform offering embedded lending, b2b buy now pay later, invoice financing, trade credit, merchant financing solutions. UK embedded B2B payments and lending platform (formerly MarketFinance / MarketInvoice), acquired by Allica Bank in October 2025. Kriya offers B2B Buy ...

Below we've compiled the top 10 alternatives to Kriya, ranked by feature similarity and market focus. Whether you're looking for different pricing, geographic coverage, or specific API capabilities, this comparison will help you find the right embedded finance partner for your platform.

10
Alternatives Found
5
Categories Compared
5
Target Markets
4
API Products

Top Kriya Alternatives

1
Youlend
Youlend
United Kingdom
Est. 2015

Global embedded financing platform specializing in revenue-based financing for SMEs. Youlend powers white-label lending for marketplaces, payment prov...

Embedded LendingB2B Buy Now Pay LaterMerchant FinancingEmbedded Capital
2
Defacto
Defacto
France
Est. 2021

European embedded B2B lending platform. Defacto enables marketplaces, vertical SaaS, and payment platforms to offer instant financing to their busines...

Embedded LendingB2B Buy Now Pay LaterInvoice Financing
3
eCapital
eCapital
United States
Est. 2005

Specialty finance lender offering embedded lending for platforms. eCapital provides A/R financing, asset-based lending, and supply chain finance via A...

Embedded LendingInvoice FinancingTrade CreditEmbedded Capital
4
Finmid
Finmid
Germany
Est. 2021

Embedded lending infrastructure for B2B platforms in Europe. Finmid provides white-label credit products including working capital, invoice financing,...

Embedded LendingB2B Buy Now Pay Later
5
Fundwell
Fundwell
United States
Est. 2013

Business lending and embedded capital platform. Fundwell provides fast SMB financing including lines of credit, term loans, revenue-based financing, S...

Embedded LendingInvoice FinancingEmbedded Capital
6
Liberis
Liberis
United Kingdom
Est. 2007

Embedded finance platform specializing in revenue-based financing for SMBs. Liberis partners with payment processors, banks, and platforms to offer wh...

Embedded LendingMerchant FinancingEmbedded Capital
7
Banxware
Banxware
Germany
Est. 2020

Orchestration layer for SME embedded lending in Europe. Banxware connects banks and lenders with platforms, brokers, and aggregators so SMEs get pre-q...

Embedded Lending
8
Lemonero
Lemonero
CZ
Est. 2019

Czech embedded finance platform providing revenue-based financing to ecommerce SMBs through partner ecommerce platforms, marketplaces, and payment gat...

Embedded LendingEmbedded CapitalLending
9
Rupifi
Rupifi
India
Est. 2020

Bengaluru-based B2B embedded credit platform integrating with B2B marketplaces and supply-chain platforms across India to offer credit lines and BNPL ...

Embedded LendingLendingPayments
10
Sunlight Financial
Sunlight Financial
United States
Est. 2014

Home improvement and solar financing for contractors and homeowners. Sunlight Financial has funded over $10B in loans and partners with contractors na...

Embedded LendingMerchant Financing

Feature Comparison

FeatureKriya
Current
YoulendDefactoeCapitalFinmidFundwell
Headquarters
United Kingdom
United Kingdom
France
United States
Germany
United States
Founded201120152021200520212013
Clients370000+100+42000+30+1000+
API Products433335
DeploymentCloud, SaaS, white-label, apiCloud, SaaSCloud, SaaSCloud, SaaSCloud, SaaSCloud, SaaS
Developer Docs
Public CompanyPrivatePrivatePrivatePrivatePrivatePrivate

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