Embedded Finance in Action: Choice, Flexibility, and Growth in the Multi-Product Era

Small businesses don’t stand still. Neither should their funding.

At Liberis, we’re building for a new era of Embedded Finance, one that’s not about a single product or one-size-fits-all solution, but about real choice, flexibility, and growth. We call it the multi-product era.

Every business is different. Some can map out the next six months with confidence. Others are working week-to-week, never quite sure what’s around the corner. The multi-product era is about meeting those businesses where they are.

That means:

• Choice: Funding that fits the moment, not the other way around.
• Flexibility: The ability to switch products as needs evolve.
• Growth: Tools that unlock new opportunities, not just cover shortfalls.

We’re making sure small businesses are never locked into a single option, but can move seamlessly from one product to another as their journey unfolds. For partners, it drives lifetime value, helping attract customers, support their growth, and retain them for the long run.

At the heart of the Liberis Capital Platform is intelligence. Every month, our recommendation engine analyses more than 118 million SMB data points, from revenue patterns to customer reviews, to make sure merchants get the right offer at the right time.

That intelligence powers a suite of co-created financial solutions, each built from five core product blueprints. These blueprints cover every stage of a business journey—from day-one eligibility to long-term strategic growth. And because they’re configurable, partners can adapt and customise them to fit their own customer base.

Here’s what that looks like in action:

• Starter Capital: Day-one funding for new merchants, with eligibility for up to 98% of applicants.
• Working Capital Finance: Short-term funding to manage cash flow and everyday operations.
• Flex Capital: An always-on, replenishing line of finance with no need for re-underwriting.
• Pay with Liberis: Funding directly at checkout, so merchants can spread the cost of big purchases instantly.
• Investment Capital: Larger, longer-term funding for strategic expansion projects.

Together, these solutions form a complete funding journey**,** supporting merchants from first sale to full scale. And with partners, we co-create each experience so it feels seamless, on-brand, and built for their customers.

This isn’t just about helping merchants. For partners, embedding Liberis’ products means:

• Higher conversion: Financing at checkout can lift conversion by up to 14% on big-ticket purchases.
• Stickier relationships: Merchants who take funding grow 25% faster and stay longer with their platforms.
• Faster innovation: Our modular platform means co-created products can launch in weeks, not months.

In short: partners gain more revenue, more loyalty, and more reasons for their customers to stick around.

Our vision is simple: funding that feels like a natural part of running a business. No clunky applications, no endless forms, no waiting in line at a bank. Just seamless, contextual finance—appearing exactly when a business needs it.

And because our platform is modular, partners can pick and choose the parts they need. Want funding at checkout? Done. Want ongoing offers based on real-time sales data? Easy. Want to help merchants forecast their next six months with confidence? We’ll surface those insights too.

Small businesses are time-poor and stretched thin. They don’t need another “product.” They need choice, flexibility, and growth, baked right into the tools they already use. For partners, it means strengthening customer relationships end-to-end, from acquisition to growth to retention, with funding that’s embedded, effortless, and built to last.

That’s what the multi-product era is all about. That’s what we’re building at Liberis.