Liberis

What it is

Liberis is Liberis Ltd’s Capital Platform for enterprises that want to offer working capital to their small and medium-sized business customers. Homepage and Capital Platform copy: one integration, a lifetime of funding. About: platforms power small business growth with contextual embedded funding. Liberis underwrites, funds, and collects repayment so the partner does not hold the financing stack.

Working Capital is the merchant cash-advance product on the current Working Capital page. Offers between $1k and $1m, monthly revenue minimum $1k, repaid as a percentage of future revenue, one fixed fee. Integration shapes on that page: Hosted (co-branded Liberis CX, no partner engineering, launch within a week), Embedded (partner owns the UI, Liberis owns eligibility and risk, API-driven), and Combined (partner data unlocks pre-filled applications while Liberis builds the front end). Marketing cites an 81% lead-to-fund rate, funding in as little as one hour, and 98% of pre-approved businesses securing funding. Those are Liberis’s printed conversion claims, not independently audited figures on this page.

This page is Liberis Working Capital for software platforms. Starter Capital ($500-$50k), Flex Capital ($500-$2m on product marketing, also $5k-$2m in body copy), Pay with Liberis ($500-$10k), Investment Capital (product URL currently 404), and the direct merchant apply path are Liberis’s. They are not this page.

Who it’s for

Partner shapes, from Liberis’s Partner with Liberis and product pages:

• Software platforms and marketplaces, which Liberis sells as the companies that embed branded merchant capital inside their product so SMEs fund cash flow, inventory, and growth without leaving the partner experience.
• Payment providers and processors, which Liberis sells as partners that add working capital next to acquiring and payments for their merchant base.
• Neobanks and banks, which the partner page names alongside payment providers and software platforms as Liberis Capital Platform partners.

Partner intake is Speak to Partnerships (CTAs across Working Capital, Capital Platform, and partner pages). That is a sales conversation, not a public self-serve partner live start. A direct merchant funding path exists on Liberis’s site. That merchant path is Liberis’s. It is not the software-platform Working Capital job on this page.

It is a fit for a software, marketplace, or payments company that wants white-labeled or API-embedded SME capital inside the product, will complete a partnership conversation, and does not want to hold underwriting or funding liability itself.

Standout details

• Working Capital and adjacent Liberis products. Working Capital page: Merchant Cash Advance, $1k-$1m, monthly revenue min $1k, paid as a % of future revenue, one fixed fee. Hosted / Embedded / Combined integration paths as above. Adjacent Liberis capital products named on Liberis product marketing: Starter Capital ($500-$50k), Flex Capital ($500-$2m, with body copy also stating $5k-$2m), Pay with Liberis ($500-$10k). Investment Capital URL returns 404 as of research. Treat Investment Capital as named in Liberis’s product set only where a live page exists; do not assume a current product page.
• Liberis Create and docs. Public docs at docs.liberis.com cover overview and Create V3 API for partner integrations. Embedded path: partner owns UI, Liberis powers finance via API. Hosted path: Liberis CX with co-branding and no engineering investment. Combined path: frictionless pre-filled applications with Liberis building the front end. Ask Liberis which Create V3 surfaces apply to your partnership before assuming full deep-embed scope.
• Underwriting and repayment (as printed). Liberis owns eligibility and risk on the Embedded path. Working Capital FAQ topics on the product page cover how Business Cash Advance works, how repayments are made, cost structure, early payoff, eligibility, pause or close, credit-score impact, and repayment progress tracking. Marketing: repayments flex with daily revenue / percentage of future revenue. This listing does not reprint a fee schedule.
• Geography and offices. Homepage: live in 15 markets / countries. About and Contact: headquarters London (Scale Space Building, 58 Wood Lane, W12 7RZ). Offices also named in Atlanta, Stockholm, Munich, Nottingham, and Mumbai.
• License and legal (as printed). Marketing substantiation: Liberis Ltd, Scale Space Building, company number 05654231. Business Cash Advance is receivables finance, not a loan. Liberis is not authorised or regulated by the FCA for that product, and the Financial Ombudsman Service will not consider a complaint about Liberis. A separate UK revenue-based small business loan product has a published representative APR example on liberis.com. Legal hub footer: payment services for US customers are provided by Airwallex US, LLC (NMLS #1928093). That is payment services, not the MCA capital originator. No US state lending license list for Liberis capital products is published on liberis.com.
• Ops and pricing. /pricing returns 404. There is no public platform rate card. A commission calculator on Liberis’s site is marked estimate only. Speak to Partnerships is the partner intake. Production for a new platform partnership is sales-led.
• Scale figures are Liberis’s and do not agree across pages. About: £3BN and 1.5M SMBs. Homepage: backed them with £1bn. Marketing substantiation: £1bn to 29,595 SMBs as of March 2024. Liberis insights / Qred deal coverage: 70,000+ SMBs and partner counts printed as 30+ / 40+ depending on the line. Treat those as vendor copy from specific pages, not a single audited figure. Founded year in frontmatter follows Liberis’s own 2007 founding line (also restated on the Qred deal insight).
• Pending ownership news (Liberis insights, 18 Jun 2026). Nordic Capital to acquire Liberis and combine with Qred. Until completion, Liberis states the businesses operate independently. Pending, not closed, as of the Liberis newsroom fact used here.
• Named on current Liberis product, partner, or testimonial surfaces (vendor-named): eBay Seller Capital, Elavon Quick Capital, Worldpay and Teya merchant testimonials on Working Capital, plus Dojo, Vagaro, and PayFacto / Maitre’D on Liberis partner or case surfaces Liberis publishes. Attribute as Liberis-named partners and quotes, not as independent verification.

Sources: liberis.com, Liberis Capital Platform, Working Capital, Partner with Liberis, About us, Contact us, Marketing substantiation, Representative APR for UK small business loans, Legal, Docs overview.

Honest verdict

Liberis is the listing to read when the job is embedded working capital for a software platform’s, marketplace’s, or payment provider’s SME merchants: Hosted, Embedded, or Combined merchant cash advance, revenue-linked repayment, and Liberis running underwriting and funding so the platform does not take the credit liability. Starter Capital, Flex Capital, Pay with Liberis, and the direct merchant apply path are adjacent Liberis products. They are not the Working Capital job on this page.

What it is not: a published platform rate card, a self-serve partner live start with no partnership conversation, or consumer checkout installment credit as the core product. Speak to Partnerships is the intake. Business Cash Advance is receivables finance, and Liberis’s own marketing substantiation says Liberis is not FCA-authorised for that product and that the Financial Ombudsman Service will not consider a complaint about Liberis. Public funded and reach figures disagree across About, homepage, marketing substantiation, and deal coverage. If you will not complete a partnership conversation, stop. If the job is branded SME capital inside your product across Liberis’s live markets, start here.