Here’s a quick overview of how Liberis is expanding access to funding for SMBs and partners:

For too long, access to funding has been restricted to SMBs that fit a traditional lending profile. Credit scores, long trading histories, and rigid eligibility criteria have left many growing businesses without access to the capital they need.

At Liberis, we believe in finance without limits. Through embedded finance, AI-driven decisioning, and flexible payments, we are building a model that adapts to every business, wherever they are in their journey.

By using deeper data and smarter technology, we are expanding access to funding and delivering the right financial product to SMBs at the right time.

Finance without limits refers to a model where access to funding is not restricted by traditional credit frameworks, but instead driven by real-time data, business performance, and future potential.

This approach enables more SMBs to access capital, regardless of their size, history, or structure.

Key principles

• Decisions based on real-time and alternative data, not just credit scores
• Funding designed to adapt to different business models and revenue streams
• Access expanded through embedded finance partnerships
• Financial products delivered at the right moment in the customer journey

Small businesses operate in different ways, and their funding needs vary accordingly.

A fast-growing e-commerce brand may lack a traditional credit history. A salon may generate both online and offline revenue. A local trades business may be early in its journey but showing strong demand.

Liberis addresses this diversity by rethinking how merchants are assessed.

Moving beyond traditional credit scoring

Instead of relying solely on credit scores, Liberis uses data from multiple sources, including:

• Banking and open banking data
• Sales and transaction activity
• Financial marketplaces
• Online signals such as reviews, website traffic, and social presence

This allows funding decisions to reflect future growth potential rather than past limitations.

Expanding access to more SMBs

By combining broader data sources with flexible products and partner integrations, Liberis enables more businesses to access funding, not just those that meet traditional lending criteria.

This helps level the playing field and ensures that access to capital is not limited to a narrow group of borrowers.

AI plays a central role in delivering finance without limits by improving both speed and accuracy in decision-making.

AI-driven capabilities

• Forecasting models predict future business performance and growth trajectories

Decisioning models assess risk and creditworthiness using a wider set of inputs

• Data aggregation tools collect and analyse signals from sources such as social media, website activity, and search trends

Outcome

The result is faster decisions, more personalised funding offers, and a more accurate understanding of each business.

Rather than focusing only on historical data, AI enables Liberis to assess where a business is going and support its future growth.

Repayment flexibility is a critical part of delivering funding that works in practice for SMBs.

Liberis offers multiple repayment options to suit different business models and cash flow patterns.

Repayment options

• Revenue-based payments - Businesses repay a percentage of their sales, meaning payments increase or decrease in line with revenue.
• Fixed repayment schedules - For businesses that prefer predictability, fixed payment structures are also available.
• Automated payments - With the appropriate permissions in place, repayments are collected automatically, reducing administrative burden.

This flexibility ensures that businesses can choose a repayment structure that aligns with how they operate.

Over the past 12 months, Liberis has delivered significant progress in expanding access to funding and improving outcomes.

All Revenue launch

SMBs can now connect multiple income sources, including platforms such as eBay, Amazon, and Etsy, through open banking.

• Average deal sizes have increased by 25%
• Some SMBs have seen offer sizes increase by up to 100%

Faster funding journeys

Automation across compliance, KYC, KYB, and document collection has significantly reduced the time from application to funding.

Stronger SMB outcomes

• SMBs funded by Liberis grow 25% faster than those who do not take funding¹
• 76% of customers return for repeat funding

Finance without limits creates value not only for SMBs but also for the platforms that serve them.

By enabling more businesses to qualify for funding, partners can reach a broader customer base.

Increased engagement

Offering multiple financial products drives deeper platform usage.

• Partners see up to 70% higher engagement when multiple products are offered¹

Higher lifetime value

Businesses that access funding grow faster, remain on the platform longer, and are more likely to return for additional products.

By embedding Liberis, partners position themselves as essential platforms that support their customers’ growth on an ongoing basis.

Liberis’ approach differs from traditional lending in several key ways:

• Decisions are based on real-time and alternative data rather than static credit scores
• AI models enable faster, more accurate decision-making
• Repayment structures are flexible and aligned with business performance
• Funding is embedded directly into partner platforms and customer journeys

Small businesses do not all look the same, and their funding experience should not be limited by traditional models.

By combining embedded finance, AI-driven decisioning, and flexible payments, Liberis is expanding access to capital and enabling more businesses to grow.

For SMBs, this means funding that adapts to their needs. For partners, it means stronger engagement, broader reach, and long-term value.

That is finance without limits—and it is the future Liberis is building.

• Embedded finance: Financial services integrated directly into a platform or product experience
• AI-driven decisioning: The use of machine learning models to assess risk and predict outcomes
• Revenue-based repayment: A repayment model where payments are tied to a percentage of revenue
• KYC/KYB: Regulatory processes used to verify customers and businesses