Here is a quick overview of how Liberis is scaling embedded finance for the next generation:

Small businesses are not all the same. A hair salon operates differently from a plumbing service, just as a bakery faces different challenges from an accounting firm. Their funding experience should reflect those differences.

At Liberis, we are scaling embedded finance so that every partner can deliver funding in a way that feels natural to their customers, adaptable, flexible, and available exactly when it is needed.

Scaling embedded finance means moving beyond a single, standardised funding journey to a model that can be adapted across partners, industries, and markets, while maintaining consistency in infrastructure.

This approach allows partners to deliver tailored funding experiences without sacrificing speed or scalability.

Key principles

• A unified infrastructure that supports multiple markets and partners
• Flexible delivery models tailored to partner needs
• Customisable customer journeys aligned to specific use cases
• Funding experiences embedded directly into existing workflows

The promise of embedded finance is to make funding feel built-in, rather than an add-on. Delivering this at scale requires flexibility at every stage of the journey.

One platform, multiple journeys

Liberis has unified its technology across 15 markets into a single code base. This allows partners to configure funding experiences for different geographies and customer segments without rebuilding from scratch.

Flexible delivery models

Partners can choose how funding is delivered:

• Through existing sales teams and relationship managers
• Via fully digital application journeys
• Through hybrid approaches that combine both

Tailored customer experience

Liberis provides the financing infrastructure, while partners shape the final experience to reflect their brand and customer relationships.

Partner Hub is a key part of scaling embedded finance, giving partners direct control over their funding programmes.

What Partner Hub enables

• End-to-end oversight -Partners can manage everything from individual applications to overall programme performance.
• Real-time insights -Access to analytics and performance data enables continuous optimisation.
• Stronger SMB engagement - Sales teams can guide merchants through the funding journey using existing relationships.
• Instant adaptability - Programme parameters can be adjusted quickly to respond to changing SMB needs.

Partner Hub allows partners to take a more active role in delivering funding, with greater visibility, flexibility, and control.

The past year has marked a significant step forward in how embedded finance is delivered at Liberis.

Unified platform

A single code base across 15 markets enables faster deployment and easier customisation for global partners.

AI underwriting (Ada)

Liberis’ agentic underwriter, Ada, uses generative AI to enhance decision-making, improving both speed and accuracy for SMB funding.

Flexi product

Flexi introduces a replenishing capital model, allowing SMBs to draw down funding as needed, rather than relying on a single fixed amount.

The next phase of embedded finance is contextual finance, where funding is not just available within a platform, but delivered at the exact moment it is needed.

What contextual finance looks like

• Funding embedded within day-to-day business tools
• Offers presented at relevant moments in the customer journey
• Minimal friction, with decisions and access delivered in just a few clicks
• Faster partner onboarding and configuration

This shift moves embedded finance from a static feature to a dynamic part of the customer experience.

Scaling embedded finance creates meaningful advantages for partners.

Faster onboarding - Partners can go live in days rather than weeks, reducing time to value.

Flexible ownership - Partners can choose how much of the funding journey they control, from fully managed to fully integrated experiences.

Stronger customer relationships - By offering funding as part of their core platform, partners strengthen trust and increase long-term engagement.

Traditional embedded finance often relied on fixed journeys and limited flexibility. Liberis’ approach introduces:

• Configurable infrastructure across markets
• Multiple delivery models (sales-led, digital, hybrid)
• Real-time adaptability through Partner Hub
• Contextual delivery of funding based on customer needs

Small businesses need funding that reflects how they operate: flexible, fast, and tailored to their specific needs.

By combining a unified platform, AI-driven underwriting, and tools like Partner Hub, Liberis is scaling embedded finance into its next phase: contextual, adaptable, and built for growth.

• Embedded finance: Financial services integrated into a platform experience
• Contextual finance: Funding delivered at the moment it is needed within a workflow
• AI underwriting: The use of artificial intelligence to assess risk and make funding decisions
• Replenishing capital: A funding model where available capital increases based on business performance