Beyond Borders: A Scalable Platform Revolutionising SMB Lending

Part three in our four-part series on Liberis’ small business-first innovation roadmap 

In today's hyperconnected marketplace, the ability to scale seamlessly across borders while keeping things consistent has become the dividing line between market leaders and market followers. For payment platforms and marketplaces serving SMBs, this distinction is increasingly crucial as merchants demand financial solutions that match the speed and flexibility of their day-to-day operations. 

At Liberis, scaling isn't one-dimensional — it works on two fronts: expanding our geographical reach and evolving our product suite. We are creating products that meet the needs of SMBs as they move through their business lifecycle and making sure they are accessible globally. 

"Partners, often global brands, want a unified experience across all regions. This consistency is vital for efficiency, regardless of where they operate." 

— Finlay Craig, Liberis 

Behind this expansion is smart technology that balances both standardisation and local compliance. We've partnered with best-in-class compliance vendors like Alloy while developing our own contracting tech to maintain our high standards. We’re proud of solutions like our AI-driven decisioning models, which help us quickly adapt to new credit environments, offering pre-approval and personalised deals to merchants from day one in a new market. 

At the heart of our scaling vision is our soon-to-be-launched Partner Portal — a secure, unified platform set to transform how partners tap into Liberis' embedded finance capabilities. This self-serve environment will handle everything from guided merchant interactions to comprehensive performance analytics, all while respecting local regulations and nuance. 

The portal brings to life our vision of embedded finance as a mix-and-match service, letting partners choose exactly how they want to integrate and which products best serve their merchant base. It covers the full partner lifecycle, from pre-sales activities to ongoing management, while empowering sales teams to sell funding products as if they were their own. 

For decision makers at marketplaces or integrated software vendors, the benefits are clear: 

• Better merchant stickiness through value-added financial services 

• More revenue per user without the operational hassle 

• One consistent global experience that grows with your business 

• Faster market entry for new territories via pre-built compliance pathways 

• AI-powered insights that drive higher approval rates and happier merchants 

In today's competitive marketplaces, embedded finance has shifted from a nice-to-have into a must-have strategic advantage. By partnering with Liberis, platforms get immediate access to proven financial products that work seamlessly across markets — fuelling growth for both your business and just as importantly, the SMBs you serve.

Our final instalment next week explores how Liberis' multi-product platform is redefining SMB financial services.