Posted: January 23, 2024 By Kieran Darmody

Worldpay from FIS collaborates with Liberis to provide personalised revenue-based finance to small businesses

Worldpay from FIS and Liberis extend partnership to offer SMEs innovative, personalized finance solutions, addressing a $5.2 trillion global funding gap.

Return to newsroom
  • The collaboration will see Worldpay from FIS’ customers continue to access growth funding through Liberis’s business finance division for the next two years.
  • Worldpay and Liberis will collaborate on product innovation, enabling Worldpay customers to potentially access funding within a short 4-click application experience.
  • Worldpay Working Capital (in the US) and Worldpay Business Finance (in the UK) is designed to help address the global funding gap for SMEs which is currently estimated at $5.2 trillion[1].

LONDON, UK – 23 January 2024 – Liberis, a leader in embedded business finance solutions, announced a two-year extension of its strategic collaboration with Worldpay, a global leader in e-commerce and payment processing technology and solutions.  Worldpay Working Capital (in the US) and Worldpay Business Finance (in the UK) empowers small and medium-sized enterprises (SMEs) by providing easy access to personalised, revenue-based finance options[2].

Collaborating with Liberis will support Worldpay in its work to close the increasing funding gap being experienced by SMEs. According to the International Finance Corporation, the global funding gap for SMEs currently stands at approximately $5.2 trillion1.

Together Worldpay and Liberis are focused on providing a best-in-class merchant experience through embedded lending. By integrating third party transactional data into the lending decision, Worldpay merchants are pre-approved for financing, reducing their fear of rejection.

The extended association also enables further innovation to transform how merchants apply for secure funding with a more accessible and seamless process.  Through a single API integration with Liberis, Worldpay will be able to provides its merchants the ability to apply and access funding up to $1m with a simple 4 click application experience, subject to approval.

“We understand the unique challenges SMEs face when securing financing, and our collaboration aims to address those challenges head-on,” said Rob Straathof, CEO of Liberis. “With our combined reach and resources, we can provide SMEs with the flexible and personalised financial solutions they need to thrive in today’s competitive business landscape. This collaboration demonstrates the strong commitment of Liberis and Worldpay to closing the SME funding gap that is holding up not only these companies but the wider world economy as a whole.”

Seamus Smith, EVP Group President at FIS said: “Embedded finance is a key pillar of growth for Worldpay. The embedded finance opportunity is expected to reach US$606b in 2025[3], and working with partners like Liberis is essential to enabling Worldpay to capture our share while at the same time providing the best and most relevant products and services to our customers. Consumers want what they want, when and where they want it.” 

Liberis has provided over $1bn in financing through over 60,000 transactions across Europe, the USA, and the UK.


Media Contacts 
Kieran Darmody

About Liberis 
Liberis builds flexible embedded finance solutions that empower businesses and provide positive impact. Founded in 2007, Liberis is a leading global embedded finance platform with a mission to provide small businesses with accessible and responsible finance, based on the belief that funding should always be a positive force for small businesses. Liberis provides partners with the technology platform and financial solutions to offer hyper-personalised and accessible funding, empowering their small business customers to grow their revenues. With over 20 global strategic partners and direct reach to more than 1 million small businesses, Liberis has provided over $1bn of funding in over 60,000 transactions, enabling over 100,000 jobs to be created and saved. Liberis’ revenue-based finance is a form of receivables finance, not a loan. Amounts advanced are subject to status and our underwriting process before any offer can be made.

About Worldpay
Worldpay payment processing solutions allow businesses to take, make and manage payments in-person and online from anywhere in the world. Worldpay solutions, which support more than 225 markets in 146 countries and in nearly 135 local currencies, are offered by FIS, a leading provider of technology solutions for merchants, banks and capital markets firms globally. FIS is a Fortune 500® company and is a member of Standard & Poor’s 500® Index. To learn more, visit Follow Worldpay on Facebook, LinkedIn and X, formerly Twitter (@Worldpay_Global).

[1] International Finance Corporation, 2020: Crowdsourcing the future of SME financing
[2] The Worldpay Business Finance product is provided by Liberis Limited. Worldpay Business Finance is not a Financial Conduct Authority regulated product, it is provided by Liberis Ltd. Liberis Ltd is not affiliated with the Worldpay group of companies.
[3] EY, June 2023: How banks are staking a claim in the embedded finance ecosystem

Trusted by
Backed by