Liberis vs Banxware: Choosing the Right Embedded Finance Platform for Your SME Strategy
Why Embedded Lending Is Disrupting SME Finance
Small businesses today want funding without friction. Traditional loans often come with long applications, rigid terms, and slow approvals. That’s why embedded finance is booming. It brings capital directly into the tools that SMEs already use—like booking platforms, e-commerce dashboards, and point-of-sale systems.
Liberis and Banxware are leading this change. Each offers a unique path: one shaped by flexible revenue-based financing (RBF), the other by full-service, white-label lending infrastructure.
Platform Profiles: Liberis and Banxware at a Glance
Liberis focuses on embedding revenue-based finance directly into partner platforms. With operations in 13+ markets, it provides small businesses with capital that flexes with their income. Its products include working capital, business advances, and a “Pay with Liberis” feature.
Banxware powers banks and fintech platforms with lending-as-a-service. It supports term loans and credit lines up to €5 million. Its modular system handles underwriting, compliance, and servicing—making it ideal for financial institutions that want to offer lending under their own brand.
Under the Hood: RBF vs Loan Infrastructure
At the core, the two models serve the same goal—SME financing—but the mechanics differ.
- Liberis uses RBF. Businesses repay a fixed percentage of daily revenue. If sales dip, payments shrink too. This model reduces default risk and adds flexibility.
- Banxware offers fixed-term loans or revolving credit. It charges a one-time fee, not interest, and provides same-day payouts.
Both use AI to personalise offers. AI-powered decision making helps optimise approval, pricing, and risk. Liberis leans on historic transaction data across platforms. Banxware’s strength lies in automation—KYC, AML, and scalable servicing through SPVs.
Developer Experience and Integration Options
Integration speed can make or break an embedded finance rollout.
- Liberis runs on an API-first model. A standout example: its launch with Vagaro. In one month, they issued $4 million to over 200 merchants through "Vagaro Capital."
- Banxware supports modular integration. Platforms can plug in lending features with minimal effort. SPV support and regulatory compliance are built in—ideal for banks and regulated entities.
Market Reach and Strategic Partnerships
Liberis has seen rapid expansion. In 2025, it teamed with:
Their platform now processes data on over 2.2 million businesses globally.
Banxware has embedded into 40+ platforms. Its €10 million raise from UniCredit allowed it to shift to a capital-light model, enabling aggressive expansion across Europe.
Strategic Trade-Offs: Which Model Fits Your Growth Plan?
Choose Liberis if: you want an all-in-one capital solution that adapts to business performance. Ideal for platforms targeting micro and small businesses in need of flexible repayment terms.
Choose Banxware if: you're a bank, marketplace, or fintech aiming to launch your own branded loan products. Its white-label infrastructure lets you control customer experience while outsourcing risk and operations.
To run your own funding simulation, try our embedded finance calculator.
Final Thoughts and Recommendations
Liberis and Banxware both offer powerful embedded finance options, but they serve different needs. If you’re seeking speed, flexibility, and pre-built capital solutions—go with Liberis. If your focus is control, scale, and brand ownership—Banxware may be your better bet.
The embedded finance race is heating up. Your choice today will shape your platform’s growth path for years to come.
