Purpose Built. Co-Created Funding Solutions.
You bring the platform and merchant data. We bring over 20 years of finance expertise and proven lending through every cycle, together delivering funding in the moments that matter for your customers.
Working with our partners
How we make it happen
Liberis partners with platforms to co-create funding solutions built around their merchant ecosystem.
By understanding merchant rhythm - how businesses earn, spend and grow - we embed finance directly into your platform, delivering funding in the moments that matter.
01. Co-created funding solutions
Funding designed around your merchant ecosystem, shaped by your data, strategy and customer needs, across five proven product blueprints and counting.
02. A measurable growth loop
As merchants grow, you grow too through increased engagement, retention and revenue, delivering up to a 115% increase in platform payments in just 16 months.
03. A seamless customer experience
Every customer gains access to a funding ecosystem from day one, where they can instantly access personalised offers and products - 1 in 5 deals are completed within 4 hours.
Our platform
One platform. A lifetime of funding.
Liberis provides a fully embedded, multi-product funding platform that grows with your customers and your business.
Embed once, then expand your funding program as needs evolve, all within your ecosystem.
01. One integration, built to grow
A single integration unlocks a full funding ecosystem, with new products added over time as your program evolves.
02. Flexible by design
From fast go-live to deep, fully embedded experiences, our platform adapts to your resources and roadmap.
Built for
world-defining business
Whether you’re a payment provider, a software platform or a neobank, based in Stockholm or San Francisco. We’re ready and waiting to work with you.
The future of finance is taking shape
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FAQs
What is Embedded Finance?
Embedded Finance is the integration of financial services into other platforms or products. It allows companies to offer financial services, like lending, to their customers - in this case, small businesses.
Is my business suitable to offer embedded finance with Liberis?
We work with a number of different types of business, but our ideal embedded finance partner is looking to decrease customer churn, increase their incremental revenue and looking to acquire more small business customers through offering a value-added service.
We typically work with partners who have a high digitally engaged and direct relationship with SMBs. Working with Independent Software Vendors (ISVs), ecosystem platforms or marketplaces and payment providers is our bread and butter.
If I want to partner with Liberis, how do I get started?
Reach out to us via our contact form, and a member of our partnerships team will guide you through the onboarding process.
What kind of financial products can I offer through Liberis?
- Revenue Finance: Merchants can access $/£/€ 500-1m in minutes through a quick application form, payments are then made based on a % of daily card transactions.
- Flexi Advance: Merchants can access $/£/€ 500-2m, drawing down on an available balance, whilst maintaining the flexibility of sales-based payment.
- Grow Now, Pay Later: Fee-free financing between $/£/€ 500-1m for sellers, used to access products within your own product portfolio. The fee is discounted for the seller, and they pay the principal as a fixed percentage of daily sales.
We also have a number of other products in live pilots - reach out to find out more.
How does the commercial model work between Liberis and its partners?
Embedded Finance provides an immediate additional revenue stream via an agreed commission structure. Commission is provided on every funded deal - initial and renewal deals. On average 80% of small business customers take out a subsequent deal, and on average every user takes over 3 deals.
Embedded Finance also offers long-term revenue growth opportunities, due to increased retention and lifetime value of your existing customer base.
Who provides the capital?
Liberis can provide all capital for funding, or our partners can opt to provide the capital and simply use the Liberis Platform to offer it to their customers.
What technical setup is required to integrate Liberis and maintain the service?
Onboarding with Liberis can range from zero development work to 4-6 weeks, depending on the level of “embedded” you need.
We can either provide a white-labelled platform hosted by us (we can get this live in under 10 days) or you can fully embed our API yourself (this can be live in less than 2 weeks).
For the fully embedded option, Liberis provides lessons for your engineers, technical support throughout the integration and post-integration as standard. More detail here.
Other than technical resource, what else would a new partner need to get started with Liberis?
In order to enable pre-approvals, targeting, pre-decisioning, and document free applications, we require anonymous GMV data on your small business customer base.