Here’s a quick overview of how Starter Capital helps platforms and SMBs unlock growth earlier:

For most small businesses, switching platforms is a leap of faith.

New tools promise better bookings, smoother payments, or smarter insights, but they also introduce disruption. There are systems to learn, subscription costs to manage, stock to purchase, marketing to restart, and cash flow to maintain, all before the benefits of switching are fully realised.

This should be the moment when growth accelerates. In reality, it can often stall.

Starter Capital exists to change that by giving new business customers access to funding at the point of switching, ensuring that momentum is not lost during transition.

Instead of slowing down, businesses can invest earlier, move faster, and begin building growth from day one.

Starter Capital is an embedded funding solution that provides new platform customers with access to capital during acquisition or onboarding.

It is designed to remove financial friction at the point of switching, enabling businesses to cover upfront costs and invest in growth immediately.

Key features of Starter Capital

• Funding offered at the point of switching or onboarding
• High eligibility, with approval rates of around 90%
• Fast, embedded experience with no lengthy application process
• Designed to support switching costs, growth investment, and early momentum
• Acts as the entry point into a longer-term funding relationship

Access to funding alone is not enough. Timing plays a critical role in determining whether businesses can act on opportunities.

Traditional funding often arrives too late, requiring months of trading history or manual underwriting. By the time funding is approved, key growth opportunities may already have passed.

Starter Capital addresses this gap by making funding available at the moment it is most needed: during acquisition and onboarding.

This allows partners to offer immediate value to new customers, while enabling businesses to invest with confidence from the outset.

Starter Capital is embedded directly into the partner journey, ensuring a seamless experience for new customers.

Step-by-step process

1. Offered during acquisition or onboarding - Funding is introduced as part of the switching journey, acting as an incentive to join the platform.
2. Eligibility and approval - Customers are assessed quickly using available data, with approval rates typically around 90%.
3. Immediate access to funding - Eligible businesses can access capital without long forms or delays.
4. Investment into growth - Funds are used to cover switching costs, purchase stock, invest in marketing, or upgrade tools.
5. Ongoing funding availability - As businesses trade, additional funding can be offered in as little as eight weeks, with limits replenishing based on performance.

Starter Capital is designed for platforms that serve small and medium-sized businesses, particularly those supporting growth-driven customers.

Ideal use cases

• Platforms acquiring new SMB customers
• SaaS and payments platforms supporting business operations
• Industries with upfront investment needs, such as wellness, beauty, retail, and hospitality

Common merchant needs

• Covering switching and onboarding costs
• Purchasing inventory or equipment
• Investing in marketing and customer acquisition
• Upgrading systems and tools

Starter Capital delivers value across the full customer lifecycle, starting from acquisition and extending into long-term retention.

Improved acquisition and conversion

By offering funding at the point of switching, platforms create a compelling incentive for new customers to join.

High approval rates enable partners to say yes more often, improving conversion and reducing drop-off during onboarding.

Stronger early engagement

Customers who can invest immediately are more likely to engage with the platform’s products and services from the outset.

Increased retention and lifetime value

Ongoing access to funding strengthens long-term relationships. As businesses grow, funding limits replenish, encouraging continued engagement and platform loyalty.

Starter Capital is not a one-time interaction. It is designed to initiate an ongoing funding relationship.

As businesses begin trading and revenue flows through the platform, additional funding can be offered after as little as eight weeks. Limits are adjusted based on real performance, rewarding growth rather than restricting it.

This continuity supports sustained business growth while reinforcing the platform’s role as a long-term partner.

A clear example of Starter Capital in practice is the collaboration with Dojo.

Together, Liberis and Dojo co-created Flex Funds, a funding proposition designed specifically for businesses switching to Dojo’s payments platform.

Key elements of the solution

• Funding offered at onboarding
• Fully embedded and branded within Dojo’s platform
• Designed to support switching-related costs and early investment

Impact

By introducing funding at a critical moment in the customer journey, Flex Funds helps reduce friction, improve conversion, and build confidence among new merchants.

Importantly, funding is not positioned as an add-on, but as an integral part of the onboarding experience.

Consider a salon owner switching platforms to improve bookings and payments.

At the point of transition, they face several immediate costs, including stock replenishment, system setup, and marketing to maintain customer demand.

With Starter Capital offered at onboarding, funding becomes available within a few clicks. The business can invest immediately, stabilising revenue and maintaining momentum during the transition.

As performance improves, additional funding becomes available, supporting continued growth and strengthening the relationship with the platform.

Starter Capital is designed specifically for embedded platform experiences and differs from traditional funding in several key ways:

• Funding is offered at onboarding rather than after long trading histories
• Approval is fast and data-driven, without manual processes
• It is embedded directly into the platform journey
• It supports both immediate and ongoing funding needs

Starter Capital ensures that switching platforms becomes a moment of acceleration, not hesitation.

By providing funding at the point of onboarding, it allows businesses to invest immediately, build momentum, and grow with confidence, while enabling partners to drive stronger acquisition, engagement, and long-term value.

• Embedded finance: Financial services integrated directly into a platform experience
• Onboarding: The process of a new customer joining and setting up on a platform
• SMB: Small and medium-sized business
• Funding limits: The maximum amount a business can access, adjusted based on performance