Liberis Finance Limited is a UK-based fintech lender established in 2007. It specialises in revenue-based finance, commonly called merchant cash advances, primarily for businesses with steady card or digital payment revenues. Liberis offers unsecured, flexible funding solutions that adjust to daily card takings and may suit established merchants or online sellers seeking working capital. The lender is authorised by the Financial Conduct Authority (FCA) for limited consumer credit activities but its commercial lending is not FCA-regulated. You can learn more about alternative finance loans and working capital finance on our site.
Key Features of Liberis Finance Limited
Liberis employs technology and embedded finance partnerships to offer streamlined, transparent funding with flexible repayments. It supports quick access to funds and ongoing balance tracking.
- A fully digital application and underwriting platform enables fast decisions.
- Repayments are deducted automatically as a share of daily card takings, supporting cash flow management.
- Offers unsecured advances with no physical collateral requirement, but a personal guarantee may be requested.
- Funding amounts can reach up to £1,000,000, larger than many merchant cash advance competitors.
- A dashboard provides ongoing tracking of outstanding balances and progress towards repayment.
Funding Eligibility
You may qualify for Liberis finance if your business has been trading at least four months and has a minimum monthly card sales turnover of approximately £2,500. Businesses must be UK-registered and process card or digital payments through approved providers. Start-ups with limited trading history or low electronic transaction volumes may not meet the criteria. Sector exclusions include gambling, arms, adult entertainment, cryptocurrencies, and payday lending. For details, consult our business loan eligibility guide and business planning tools.
Loan Options
Liberis mainly provides Business Cash Advances (revenue-based finance) with flexible terms. This option ties repayment to a fixed fee rather than interest, with amounts adjusting to card turnover.
- Business Cash Advance (Revenue Based Finance): Funding from £1,000 to £1,000,000, terms typically 3 to 12 months depending on revenue. No interest charged but fixed fees typically range from 9% to 30% of the advance. Repayments automatically deducted as a percentage of daily card takings.
How to Apply
The application process is fully online and generally quick, requiring key documentation and information about your trading and payment processing.
- Submit your online application directly via Liberis or through embedded partner portals.
- Provide identification documents for business owners, recent bank and card processing statements.
- Application decisions typically occur within 24 hours for most applicants.
- Funds are usually released within 24 to 48 hours after approval, with repayments collected daily.
Funding Agent’s view on Liberis Finance Limited
Liberis is suited to businesses with regular digital payments seeking fast, flexible working capital without fixed repayment schedules or collateral. Its higher cost compared to traditional loans and dependency on stable card turnover means it may not suit start-ups or firms with seasonal or volatile revenues. Visit our tools and calculators and loan comparison guides to explore suitable finance options based on your business needs.
