One size fits all blocks growth: How Liberis is Reimagining Embedded Finance for SMBs

Small businesses face many challenges on their path to growth, from navigating economic uncertainty and recovering from global shocks like the pandemic, to dealing with the rising cost of supply chains and shifting trade policies, the road is rarely smooth. 

Yet one persistent barrier stands out: the growth paradox. To access funding, businesses are expected to demonstrate stability, but stability often requires capital to achieve. It’s a catch-22 that stalls progress before it can begin. 

Compounding this issue is the evolving nature of funding needs across the business lifecycle. What a company needs when it's starting out is very different from what it needs to survive, or to scale.  

The result? Fragmented funding. The average business uses between 5 and 8 funding products over its lifetime. There's too much choice, but not enough clarity, and no single solution that guides businesses to the right funding, at the right time.  

Recognizing this evolution, Liberis is pioneering the shift from single-product financing to a comprehensive embedded finance platform with multiple, customizable funding solutions that meet SMBs precisely where they are. 

Rather than forcing businesses into predefined funding boxes, Liberis has developed innovative product "blueprints" that partners can tailor to their specific merchant base. This collaborative approach combines Liberis' financial expertise and rich data, with its partners' deep understanding of their customers. 

For example, Liberis' new product, "Pay with Liberis," exemplifies this innovation. This embedded checkout solution enables platforms to offer financing at the point of purchase, so SMBs can cover the upfront cost of products like ad space or point-of-sale systems. 

"True embedded finance innovation isn't just creating multiple products – it's blending our financial expertise with our partners' deep knowledge of their customers. Our product blueprints then transform into powerful, tailored experiences aligned with the specific needs of our partners' merchants. That synergy and collaboration is what creates exceptional funding experiences for small businesses." 

For partners, like payment processors, ISVs, or e-commerce platforms, offering a multi-product funding solution unlocks powerful value beyond traditional embedded finance. By enabling seamless access to a full suite of solutions from a single ecosystem, partners can stop fragmented funding in its tracks. 

This means SMBs stay longer, engage more, and access the right product at the right time, with zero friction. The result? Increased merchant retention, stronger lifetime value, new high-margin revenue streams, and deeper platform stickiness, all without taking on the complexity or risk of becoming a lender. 

And small businesses gain immediate access to growth opportunities without liquidity constraints, funding tailored to their specific business model and industry, financial solutions that evolve with their business lifecycle, and data-driven insights to guide strategic decisions. 

Beyond products, Liberis is transforming its approach, to become a "financial co-pilot" for small businesses. Its funding dashboard serves as a "Global Mission Control," providing cash flow projections, revenue forecasts, and industry benchmarking that helps businesses make smart financial decisions. 

This transforms the traditional transactional funding relationship into a true partnership that supports businesses throughout their entire lifecycle – whether they're experiencing rapid growth, steady operations, or navigating challenging periods. 

As traditional financial institutions retreat from uncertain markets, Liberis is stepping forward. Leveraging 20+ years of data and AI-driven models, Liberis has funded over 50,000 small businesses with more than $3 billion in capital – tangible evidence of its commitment to SMB financial inclusion. 

For an increasingly diverse SMB landscape facing complex economic challenges, the future of embedded finance isn't just about providing capital; it's about creating flexible, intelligent funding ecosystems that truly understand and serve small businesses.