Here’s a quick overview of how the Liberis Capital Platform accelerates SMB funding:

For small businesses, timing is everything. A tax bill arrives. Stock needs replenishing. A new hire is starting tomorrow. The need for capital is not weeks away; it is immediate.

At Liberis, we have built the Liberis Capital Platform to match that urgency. Funding that moves at the speed of business, delivered through an experience that is embedded, automated, and instant.

The Liberis Capital Platform is an embedded funding solution that automates the entire funding journey, from eligibility and quote through to application, contract signing, and renewal.

It is designed to remove friction and deliver funding to SMBs in minutes rather than weeks.

Key capabilities

• End-to-end automated funding journey
• Embedded delivery within partner platforms
• Real-time eligibility and quote generation
• Digital contracts and instant disbursement
• Automated renewals through a self-serve dashboard

Traditional funding journeys are often slow and complex, involving paperwork, long wait times, and high rejection rates. For SMBs managing day-to-day operations, these delays can prevent timely investment.

The Liberis Capital Platform removes these barriers by automating every step of the process.

• SMBs can complete an application in as little as 50 seconds
• The fastest time from application to funds in an account is around five minutes

This shift transforms funding from a delayed process into an immediate business tool.

The Liberis Capital Platform combines automation, data, and embedded delivery to create a seamless funding experience.

Step-by-step journey

1. Personalised offers - SMBs receive targeted funding offers based on performance and forecasting data, delivered directly through the platforms they already use.
2. Instant customisation - Funding quotes can be tailored in real time using partner data or through automated open banking connections.
3. Seamless completion - Contracts are signed digitally, and funds are disbursed instantly to the SMB’s account.
4. Always-on renewals - More than 50 percent of renewals now happen through the automated dashboard, replacing manual processes and delays.

Funding is no longer a one-off, linear journey. It is now embedded within the tools SMBs use every day, including checkouts, banking apps, and accounting platforms.

This shift enables:

• Funding offers to appear at the moment capital is needed
• Faster decision-making without leaving trusted platforms
• A continuous, proactive funding experience rather than reactive applications

By embedding funding into existing workflows, the experience becomes more relevant, timely, and accessible.

The impact of automation and embedded delivery is measurable across SMB behaviour and partner performance.

• 2x increase in SMBs moving from marketing channels to getting a quote¹
• 1.5x increase in SMBs progressing from quote to funded deal¹
• 80 per cent of applications are completed through to funding¹

In the last 12 months, Liberis has launched automated journeys with more than 30 new partners and expanded into five additional regions globally.

Automation delivers clear operational and commercial advantages for partners.

Lower cost to serve - Automated processes reduce manual intervention, operational overhead, and support requirements, enabling efficient scaling.

Faster conversion - With a simplified and frictionless journey, 80 per cent of merchants who begin an application progress through to funding.

Stronger customer loyalty - Instant renewals and ongoing access to funding strengthen long-term relationships and increase customer lifetime value.

Rapid integration - Partners can embed funding through modular or out-of-the-box solutions, allowing them to go live in weeks rather than months.

The Liberis Capital Platform represents a shift away from traditional funding models:

• Fully automated journeys replace manual processes
• Embedded delivery replaces standalone applications
• Real-time data replaces static assessments
• Instant funding replaces delayed disbursement

This creates a faster, more efficient, and more scalable funding experience.

• Embedded finance - Financial services delivered directly within a platform or product experience
• Automated funding journey - A process where eligibility, application, and funding are completed with minimal manual input
• Open banking - Secure access to financial data used to inform funding decisions
• Disbursement - The transfer of funds to a customer’s account

Funding at the speed of business is not about improving legacy systems. It is about removing friction entirely.

With the Liberis Capital Platform, SMBs can move from quote to cash in minutes, enabling them to act when it matters most. For partners, this means faster scaling, lower costs, and stronger customer relationships.

It is funding that is embedded, automated, and instant, exactly where it should be.