Funding at the Speed of Business: Removing friction to fund SMBs forward

In today's fast-paced world, small businesses must keep up with rapidly shifting consumer trends, increased competition and economic uncertainty.  

They can live or die by their access to capital, and they expect service to be as quick and responsive as their own operations. Traditional funding channels leave SMBs jumping through endless hoops – lengthy approval processes, mountains of paperwork, and rigid criteria that prioritise established businesses and exclude the rest. 

For entrepreneurs needing quick capital to seize opportunities or manage unexpected challenges, these barriers aren't just frustrating – they're growth-killers. 

At Liberis, we're transforming this landscape through a series of product advancements centred around automation, delivering "Funding at the Speed of Business."

Our automation strategy addresses two fundamental market needs: convenience and accessibility. For SMBs, uncertainty hampers growth. By optimising our automation capabilities to deliver an application process in less than 4 clicks and instant decisions and funding disbursements, we empower business owners to make confident, informed decisions, safe in the knowledge that funds will reach them in minutes.  

More revolutionary is our ability to profitably serve micro-merchants – a segment traditionally overlooked by lenders due to high costs and high risk. Through automation, we've negated both of these factors, enabling support for smaller funding amounts with attractive terms. 

“Being able to provide business owners with rapid certainty about funding approval enables them to make more informed and proactive decisions about how they run their business. More agility. Effective planning. More growth." 

Our automated customer journey achieves remarkable efficiency through several innovations: 

• Frictionless data collection: Eliminating back-and-forth document exchanges with automatic, in-journey validation and contract signing – no paperwork, no time wasting, just a 4 click process. 

• AI-powered underwriting: Achieving auto-decisioning rates up to 90%, reducing manual reviews and making instant decisions in seconds. 

• Streamlined fund dispersal: Delivering capital in as little as 10 minutes from application to funds in account.

This means our partner's SMB customers, like eBay sellers, can get funded with zero manual intervention and a fast, friction-free fully digital experience.  

For our platforms and payment provider partners serving SMBs, our automation efforts deliver real commercial benefits. Our seamless customer experience has delivered 81% application to fund rates, plus partners integrating our solutions see extraordinary loyalty – with retention rates of 99%+ among funded customers.  

A zero-friction approach isn’t just for small businesses, partners can achieve all this from a single API integration. From which they can benefit from every new small business focussed product innovation, upgrade and feature release.

Our product roadmap includes the launch of a new AI Agent, designed and developed in-house at Liberis, and expected to reduce decisioning time by an additional 25%.

By automating document analysis and leveraging daily data integrations with partners (not to mention Open Banking), we're creating a future where access to capital becomes as seamless as choosing what to watch on Netflix. 

For platforms serving SMBs, Liberis' automation-first approach represents a powerful competitive advantage in both customer acquisition and retention, creating measurable business growth.

In our next instalment, we'll share how we evolve our tech to make scaling with our partners as seamless as possible. From tackling geo-expansion to streamlining onboarding and setting up partner sales teams for success.