Finance Without Limits: Serving Every Merchant, Everywhere

For too long, access to funding has been restricted to SMBs who fit a traditional lending profile. Credit scores, long histories, and rigid eligibility rules left too many growing businesses shut out.

At Liberis, we believe in finance without limits, embedded finance that adapts to every business, wherever they are on their journey. Powered by AI, flexible payments, and deeper data, we’re opening up access and delivering the right product to SMBs at the right time.

Not all businesses look the same on paper. A new e-commerce brand might be growing fast, but lacks a credit score. A salon might have mixed online and offline revenue streams. A local plumbing business might just be starting out.

With Liberis, we’re changing the way merchants are assessed:

• Beyond credit scores: We use data from across platforms - banking, financial marketplaces, sales activity, review sites, social media - to make decisions based on future growth, not just the past.
• Reaching all customers: By expanding partner networks and product flexibility, we ensure funding is available to more SMBs, not just a select few.

It’s about levelling the playing field, so access to capital is no longer limited to the “traditional” borrower.

One of the biggest leaps forward is our AI-powered tools. These allow us to serve more businesses with smarter, more personalised decisions:

• AI forecasting models predict future growth trajectories.
• Decisioning models assess risk and creditworthiness more accurately.
• AI agents scrape and ingest data from sources like social media, website traffic, and Google searches, building a real-time picture of a business.

The result? Faster decisions, more accurate offers, and funding that reflects where a business is going, not just where it’s been.

For small businesses, payments should just work. No admin, no stress. That’s why we’re expanding flexibility around how merchants repay:

• Revenue-based payments: Pay back a percentage of sales that flexes with income.
• Traditional-style payments: Fixed schedules for businesses that prefer them.
• Set and forget: With permissions in place, payments are automated in the background, so merchants can focus on running their business.

This flexibility means merchants can choose the payment type that fits their cash flow and set-up, whether they’re a single-revenue business or managing multiple income streams.

The past year has delivered some major milestones:

• All Revenue launch: SMBs can now connect multiple platforms (eBay, Amazon, Etsy, etc.) via open banking to evidence income. Since launch, deal sizes have increased by 25% on average, with some SMBs seeing a 100% increase in offer sizes.
• Faster funding: Behind the scenes, automation in compliance, KYC, KYB, and document collection has sped up the journey from application to money in the bank.
• Stronger outcomes: SMBs funded by Liberis grow 25% faster than those who don’t take funding, and 76% return to renew.

Finance without limits isn’t just about SMBs; it changes the game for partners as well:

• Broader reach: More SMBs become eligible, expanding addressable markets.
• Higher engagement: Offering multiple products drives 70% higher platform engagement.
• Longer lifetime value: Businesses funded through partners grow faster, stick around longer, and return for more.

By embedding Liberis, partners position themselves as the trusted operating platform their merchants rely on every day.

Small businesses don’t all look the same, and their funding experience shouldn’t either. With AI-driven decisioning, flexible payments, and deeper data, Liberis is removing limits and opening up access to capital for every SMB.

For SMBs, it means funding that grows with them. For partners, it means stronger engagement, loyalty, and long-term value.

That’s finance without limits. And it’s the future we’re building at Liberis.