Liberis
Embedded-finance specialist that suits businesses with an existing relationship with a partner platform (for example Worldpay, Barclaycard, Klarna, eBay, Dojo or Deliveroo). The application is often pre-approved through that platform rather than starting cold, so Liberis is most relevant if you already use one of its partners. Fast same-day funding for applicants whose card flow is already visible to the lender.
Quick verdict
- Product: Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs.
- Ticket band: £1k to £1m.
- Pricing: One fixed fee, repaid as a percentage of sales (quoted per offer).
At a glance
Liberis, at a glance
- Legal entity
- Liberis Limited
- Companies House
- 05654231
- Incorporated (UK entity)
- 2005
- Product
- Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs
- Ticket range
- £1k to £1m
- Decision time
- Funding in as little as 24 hours
- Ltd-only
- No, the lender also accepts other structures
Where Liberis is strong
- Strong embedded distribution, so applicants on Worldpay, Klarna or Dojo often arrive pre-approved.
- Repayments scale with sales, which can suit businesses that can't service a fixed monthly burden.
- Operates in several countries through its partners, which can suit ecommerce Ltds selling cross-border.
- Funding in as little as 24 hours, by Liberis's own account, where the partner data is already in.
Watch-outs, and when another lender may suit better
- Much of its distribution runs through partners, so applicants without a partner relationship may get a slower route.
- A fixed fee rather than an APR carries the same opacity as other MCA products, so work out the effective cost before signing.
- Offers are often tied to a partner platform, so non-partner businesses may suit 365 Business Finance or YouLend better.
- Long-term term-loan needs are a bad fit; consider Funding Circle, Allica or Aldermore.
Best fit applicants
- Existing Worldpay, Barclaycard, Klarna or Dojo users with strong card flow
- Ecommerce Ltds wanting embedded-finance journeys
- Applicants with pre-approved offers visible inside their partner platform
Where Liberis is the wrong fit
- Applicants without a partner-platform relationship, consider Capify or 365 Business Finance
- Long-term term-loan needs, consider Funding Circle or Allica
- Pre-revenue applicants, consider Start Up Loans Company
If declined by Liberis
If your application to Liberis is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our Liberis decline guide for what to do next, and our side-by-side guide to Liberis alternatives for the closest UK specialty finance providers.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Liberis
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through Liberis?
Liberis offers revenue-based finance (merchant cash advance style) and pay-over-time funding for smbs. Ticket range: £1k to £1m. Typical rate: One fixed fee, repaid as a percentage of sales (quoted per offer).
How long does Liberis take to decide?
Funding in as little as 24 hours
Who is Liberis the best fit for?
First on the list: Existing Worldpay, Barclaycard, Klarna or Dojo users with strong card flow. The full list is under Best fit applicants above.
When might another lender suit better than Liberis?
First on the list: Applicants without a partner-platform relationship, consider Capify or 365 Business Finance. The other cases are under Where Liberis is the wrong fit above.
Send an enquiry
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Send an enquiry →Official site: Liberis
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.