Liberis_Horizontal_Ash_med

CEO Rob Straathof introduces you to Liberis

Liberis builds flexible embedded finance solutions that empower businesses to grow and thrive.

Founded in 2007, Liberis is a leading global embedded finance platform with a mission to provide small businesses with accessible and responsible finance, based on the belief that funding should always be a positive force for small businesses. Liberis provides partners with the technology platform and financial solutions to offer hyper-personalised and accessible funding, empowering their small business customers to grow their revenues. With over 20 global strategic partners and direct reach to more than 1 million small businesses, Liberis has provided over £1bn of funding in over 60,000 transactions, enabling over 100,000 jobs to be created and saved. Liberis’ revenue-based finance is a form of receivables finance, not a loan. Amounts advanced are subject to status and our underwriting process before any offer can be made. Visit their website for more information.

Connect with Rob on LinkedIn

Some Business Stats

75% of customers receive their funds within 48 hours

£1bn of funding to businesses worldwide

76% of customers renew with Liberis

30k small businesses helped worldwide

95% of customers would recommend us

70% of applications approved

Impact Stories

Isobel May (gift shop)

“This funding is brilliant! I don’t even notice it being paid back and then suddenly it is. There’s no hassle. Plus I never have to worry if I have a slow period. A few years ago, I had to shut the shop for five days to look after my daughter because she was ill; Liberis made the difference between being able to or not.” Sue, Isobel May

Simon Falk Eyecare (optician)

“There isn’t the stress of fixed repayments because pay back is based on my credit card takings, so it doesn’t hurt if we only have an ‘okay’ month.” Simon, Simon Falk Eyecare

Quick Stop Food & Wine (convenience store)

“The repayment system is really flexible so there isn’t the pressure on me and my business that you get with fixed monthly payments. I have used an overdraft and some facilities with the bank, but with Liberis I can take out more and pay it back as I earn from my card takings gradually. It works a lot better for me!” Bahzad, Quick Stop Food & Wine

Gymboree (kids’ daycare centre)

“Everything about a bank loan is fixed, from the payments to when you pay it off. The terms are too rigid for a small business like this. With a cash advance, there’s no fixed payment amount or term. It’s extremely manageable too: we take customer subscriptions by card on a monthly basis and because pay back is taken at source, I don’t have to do anything. I just see the amount being paid off each month, which is wonderful! Michelle, Gymboree

Jobs at Liberis

Nutshell

Global partner for embedded business finance

Sector

FinTech

Milestones

  • 2007:

    We started out under the name Merchant Cash Express with a processing agreement with a bank partner. We funded our 100th advance in our first year

  • 2009:

    We signed our second processing agreement with a UK payments processor and by April 2010 we’d funded our 1000th advance

  • 2013:

    We joined leading venture builders, Blenheim Chalcot, and rebranded as Liberis

  • 2015:

    We partnered with one of the largest payment processors in the UK

  • 2016:

    Surpassed £100m in funding and secured backing from the UK Government owned British Business Bank

  • 2018:

    We established a new partnership with a UK payment processor and joined a marketplace as a selected finance provider. We also won several ISO contracts

    First in the UK: Pre-approved, risk-based business finance application in under 5 minutes

    First in the UK: Open banking enabled online application for business finance

    Live in Europe

  • 2019:

    Same day, real-time funding disbursement through Express Settlement

    Live in the US and the Nordics

    Secured £32 million in equity funding from FTV Capital and Blenheim Chalcot

  • 2020:

    First revenue-based finance provider approved for CBILS in the UK, and provider of the paycheck protection program funding in the US

    Officially launched our next generation embedded business finance platform powered by a single API integration

    Partnered with UK cloud-based software provider

  • 2021:

    Surpassed £500m in funding

    Barclays invest £34.5m into Liberis

  • 2022:

    Partnered with Barclaycard, Klarna and Sezzle

  • 2023:

    Partnered with DNA Payments, Teya and Vagaro

    Surpassed £1bn in funding

    Liberis secures $112 million from HSBC Innovation Banking and BCI Capital to expand embedded business finance platform across Europe and North America

    Liberis Named on the 2023 CB Insights’ Fintech 100 List

    Liberis listed in CNBC’s top 200 global fintech companies

  • 2024 so far:

    Went live in Canada and Germany

    Liberis partners with Shop Circle

Jobs at Liberis

Careers with Blenheim Chalcot

Explore our open roles and career programmes

Find out more
BC Gazzel