“Can fixed-fee, algorithm-driven invoice finance integrated directly into accounting software eliminate cash flow friction for UK SMBs?”
Hydr (operating as HN Flow Ltd) was founded by Nicola Weedall with a mission to eliminate payment terms for small UK businesses by providing invoice finance — advancing 100% of invoice values within 24 hours at a fixed, transparent fee. The platform integrates with accounting software (notably Xero) to automate invoice verification and funding decisions via a proprietary algorithm, moving invoice finance from a weeks-long manual process to near-instant digital onboarding. Hydr partnered with Hokodo to underpin credit/insurance risk on the debtor side, reflecting its B2B invoice finance model.
Hydr's lending and capital products are provided by hokodo.
Hydr integrates with Xero.
The Embedded Finance Index 2026 maps 2 layers in Hydr's stack: Lending (hokodo and Invoice finance (100% of invoice value, fixed fee, 24-hour funding)); Accounting (Xero).
Hydr was founded by Nicola Weedall and is headquartered in United Kingdom.
Get a read on where your own stack stands against Hydr and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.