Key differences
- Approved members can compare the estimated rates as of today side by side.
- Kriya is usually faster to fund (about 1 day vs about 2 days).
- Regions: Ratio covers US; Kriya covers UK.
Side by side
| Ratio | Kriya | |
|---|---|---|
| Product | Ratio Boost | Pay later (Allica Bank) |
| Funding type | B2B BNPL & buyer financing | B2B BNPL & buyer financing |
| Estimated rate as of today | Rates shown to approved members | Rates shown to approved members |
| Pricing source | Estimated as of today | Estimated as of today |
| Time to cash | About 2 days | About 1 day |
| Typical size | Up to $5M | Up to $5M |
| Term | 1–36 months | 1–12 months |
| Requirements | No hard minimums listed | No hard minimums listed |
| Regions | US | UK |
| What they underwrite | Your buyers | Your buyers |
| Collateral | Customer contract | Customer contract |
| How you repay | Buyer repays lender | Buyer repays lender |
| Dilution | None | None |
Ratio
Embedded in CRM/CPQ with proposals and e-sign. Risk-based pricing; the seller chooses whether buyer, seller, or both carry the fee.
Ratio vs Kriya FAQ
What is the difference between Ratio and Kriya?
Approved members can compare the estimated rates as of today side by side. Kriya is usually faster to fund (about 1 day vs about 2 days). Regions: Ratio covers US; Kriya covers UK.
Which is faster, Ratio or Kriya?
Kriya usually funds in about 1 day; Ratio takes about 2 days.
Which is cheaper for you?
The answer depends on your amount, term and revenue. The calculator prices both on the same basis — fees, warrants and dilution included.
Related comparisons
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.