Hydr
“Can fixed-fee, algorithm-driven invoice finance integrated directly into accounting software eliminate cash flow friction for UK SMBs?”
HQUnited Kingdom
FoundersNicola Weedall
IndustryFintech / Lending
The story
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.
Last 12 months
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Product timeline
2021
Listed on Xero App Store UK, offering seamless invoice finance integration for SMBs.· lending
The stack
2 layers disclosed in Hydr’s embedded-finance stack
Lending
hokodoInvoice finance (100% of invoice value, fixed fee, 24-hour funding)
Accounting
in the full report
Accounting gap: minor
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.