Scaling Embedded Finance: From One-Size-Fits-All to Contextual, Flexible, and Fast

Small businesses aren’t all the same. A hair salon doesn’t run like a plumbing service. A bakery doesn’t face the same challenges as an accounting firm. Their funding experience shouldn’t be identical either.

At Liberis, we’re scaling embedded finance so every partner can deliver funding that feels natural to their customers; adaptable, flexible, and always there when needed.

The promise of embedded finance is simple: funding that feels built-in, not bolted on. But delivering it at scale requires adaptability.

• One platform, many journeys: We’ve unified experiences across 15 markets into a single code base, configurable for each partner and country.
• Flexible delivery: Whether a partner wants to leverage their existing sales teams or utilise a digital application journey, Liberis can create an experience that adapts to their needs.
• Tailored last mile: Partners know their customers best. We provide the financing infrastructure, and they tailor the final experience.

One of the most exciting steps forward is our Partner Hub, giving partners the same level of control and visibility that SMBs already enjoy.

• End-to-end oversight: From application-level detail to program-wide goals, partners can manage their funding programs directly.
• Real-time insights: Business analytics and performance data to help partners refine and grow their programs.
• SMB engagement: Partner sales teams can use their existing relationships to guide merchants through funding, becoming the trusted face of the program.
• Instant adaptability: Change program parameters on the fly to meet SMB needs in real time.

In short: Partner Hub empowers partners to deliver funding with more control, more insight, and more impact.

he past year has been transformative:

• Unified platform: One code base across 15 markets, making it faster to configure bespoke services globally.
• AI underwriting: Our agentic underwriter, Ada, utilises generative AI to enhance decision-making, delivering faster and smarter outcomes for SMBs and underwriters alike.
• Flexi product: A replenishing balance of capital SMBs can draw on when they need it, designed for the unpredictability of small business life.

Our vision goes beyond embedding funding into apps and portals. The future is contextual finance; funding that appears exactly when and where it’s needed.

That means moving away from static application journeys to a world where:

• Funding is available in an SMB’s day-to-day tools.
• Offers surface at the right moment, with just a few clicks.
• Partners can onboard in days, not weeks, and tailor the journey to their goals.

This shift isn’t just about SMBs. For partners, the benefits are clear:

• Faster onboarding: Live in days, not weeks.
• Flexible ownership: Choose how much of the merchant journey you want to control — from full-service to hands-off.
• Stronger loyalty: Build deeper relationships by offering funding as part of your own trusted platform.

Small businesses need funding that matches their working style: flexible, fast, and tailored to their specific needs. Partners need the tools to deliver it seamlessly.

With unified experiences, AI-driven underwriting, and the new Partner Hub, Liberis is moving embedded finance into its next phase: contextual, scalable, and built for growth.