Welcome to the Agentic Era: Finance That Shows Up When You Need It — Introducing Contextual Finance and Pay with Liberis

Traditional finance asks small businesses to stop what they’re doing, fill out forms, upload bank statements, and wait for an outcome. That might’ve worked once. But today’s small business owner doesn’t have time for a disconnected process that interrupts their day and delays their plans.

Liberis is changing that with a radically different approach: contextual finance.

Contextual finance means putting funding right where it’s needed, inside the everyday tools and platforms small businesses already use. No separate journey. No chasing eligibility emails. No waiting for someone to get back to you. Just seamless, embedded funding at the point of action.

Instead of asking an SMB to apply, get approved, and then go spend, contextual finance flips the flow: the funding appears at the exact moment of purchase.

This new way of thinking led to the launch of our latest product: Pay with Liberis.

Picture a merchant selecting a piece of equipment or software in a partner platform — a new POS system, for example. At checkout, they see a new payment option: Pay with Liberis.

Behind the scenes, Liberis funds the purchase directly and sets up a flexible payment plan tied to a percentage of the merchant’s future sales. That percentage adjusts dynamically based on performance. No rigid monthly repayments. No surprises. Just a frictionless experience built around how small businesses really operate.

All of this is white-label friendly, giving partners the ability to customise the name, presentation, and branding of the experience to match their own.

While consumer “Buy Now, Pay Later” (BNPL) has exploded in recent years, it was never built for the complexity or scale of business-to-business transactions. Most BNPL models rely on static credit reports, offer limited funding amounts, and can lock merchants into fixed repayment schedules that don’t flex with their income.

Pay with Liberis changes the game. It brings the best of BNPL — embedded, easy, and intuitive — but adds the flexibility, intelligence, and scale that SMBs need. Payments move in sync with real revenue. Terms adjust based on real-time performance. And funding is offered proactively, not reactively.

Pay with Liberis doesn’t just make checkout smarter, it drives growth across the entire funnel:

• Higher conversions at the point of sale. For larger ticket items, checkout finance has been shown to increase conversions by over 14%.
• More competitive platforms. When a payments provider helps a merchant smooth out a £10,000 investment in terminals — and a competitor doesn’t — the choice is obvious.
• Longer-term value. Because Pay with Liberis is the start of a wider funding relationship, it opens the door to additional products and renewals, with merchants often returning for 3–4 more rounds.

This isn’t a one-and-done feature; it’s a strategic lever for lifetime value.

For small businesses, access to funding shouldn’t be a project. It should be part of the flow, invisible when it’s working, invaluable when it’s needed.

Pay with Liberis is the first product built from the ground up to deliver on that promise. And it marks the start of something much bigger: a future where finance is no longer a separate journey, but a seamless layer inside the platforms SMBs already trust.

We explore the rise of generative AI in underwriting and the launch of Ada — Liberis’ in-house AI credit decisioning agent that’s already changing how we approve complex funding cases in minutes, not hours.