Always-on credit, for flexible funding on tap
Works just like a Line of Credit, small businesses can access funds as often as they need, from their personalized available capital.
Plus, they only pay for what they use. No surprises, just flexibility.
How Flex Capital works for you
- 1
Boosts engagement
Flex Capital customers are active users - taking an average of 3 advances over 4 months.
- 2
Earns loyalty
Available Capital replenishes with every payment made. Businesses are rewarded as they grow.
- 3
Drives growth
High approval rates, frequent replenishment and offers up to $2M keep customers thriving.
Perfect for
Seizing opportunities
1 in 4 businesses are forced to pass on growth opportunities.
Flex Capital serves SMBs with fluctuating cash flow needs - like retailers meeting inventory demands for new clients.
They can apply for $5k–$2m with a 4 click application.
Perfect for
Seizing opportunities
Perfect for
Seizing opportunities
Constant access to capital, no commitment
- Offers between $500 - $2m
- 4 months trading history
- One fixed fee paid on each advance
Constant access to capital, no commitment
- Offers between $500 - $2m
- 4 months trading history
- One fixed fee paid on each advance
Offers synced to business performance
We evaluate performance constantly, so businesses get the maximum funding without being overstretched.
Beta
Manage spending with connected cards
Business customers can access available capital on the go. They spend within limits, you earn loyalty with rewards.
Beta
Manage spending with connected cards
Business customers can access available capital on the go. They spend within limits, you earn loyalty with rewards.
Get started
Choose from three integration options and deliver an exceptional user experience that customers recognise as an extension of your brand.
Core
Hosted
Fastest to market
Plug in our best in class CX, no development needed.
- No engineering investment
- Seamless, co-branded experience
- Launch within a week
Create
Embedded
Maxmimum control
You own the UI, we power the finance.
- Customers stay in your platform
- Liberis owns eligibility and risk
- API-driven for deep integration
Connect
Combined
Best of both, zero-friction
Connect customer data to unlock embedded benefits, without the build.
- Frictionless pre-filled applications
- Liberis build the front-end
- Less engineering investment
Finance without friction
The funding experience becomes an extension of your product offering.
Styles and themes designed for accessibility, with your brand at the forefront.
Designed for
Opportunity seekers and cash flow sustainers
Flex Capital helps businesses take on sudden opportunities, like new clients or market trends. It’s also perfect for meeting unexpected payments and keeping cash flow smooth.
"We've been able to grow our business with the help of Liberis. Their customer service is fantastic and I know they will do whatever they can for our business"
Sara, Safety Providers
Worldpay
"The funding was available quick and ready to use. If you need their help to grow or buy more inventory, they're the best choice in my opinion."
Eliseo, Xan San Solutions
eBay
"From a new start up where the beginning to get your foot in the door was difficult, the finance was critical for me and a very easy and quick process"
Thomas, The Ford Inn
Clover
"We've been able to grow our business with the help of Liberis. Their customer service is fantastic and I know they will do whatever they can for our business"
Sara, Safety Providers
Worldpay
"The funding was available quick and ready to use. If you need their help to grow or buy more inventory, they're the best choice in my opinion."
Eliseo, Xan San Solutions
eBay
"From a new start up where the beginning to get your foot in the door was difficult, the finance was critical for me and a very easy and quick process"
Thomas, The Ford Inn
Clover
"We've been able to grow our business with the help of Liberis. Their customer service is fantastic and I know they will do whatever they can for our business"
Sara, Safety Providers
Worldpay
"The funding was available quick and ready to use. If you need their help to grow or buy more inventory, they're the best choice in my opinion."
Eliseo, Xan San Solutions
eBay
"From a new start up where the beginning to get your foot in the door was difficult, the finance was critical for me and a very easy and quick process"
Thomas, The Ford Inn
Clover
FAQs
How does the Flexible Cash Advance operate?
Similar to a Line of Credit, it provides access to a maximum amount of always-on credit ( described as "Available Capital"). Businesses can draw advances from this limit, which replenishes as repayments are made. The facility typically remains open for 12 months.
How are repayments structured?
Repayments are made automatically as a percentage (e.g. 20%) of daily card sales. There are no fixed terms—payments fluctuate with sales volume.
Can the advance be paid early?
No, early lump-sum payments are not currently supported. Payments continue through daily deductions until the balance is cleared.
Are there any fees involved?
There is no fee to open an account or access Available Capital. A fixed fee applies only when a new advance is taken, and the fee amount is based on the size of the advance.
Does applying or using the advance impact credit scores?
Checking eligibility and applying does not affect credit scores. However, taking out the product may impact credit scores and credit reference checks may be performed during the application process.
What are the eligibility criteria?
Typical eligibility includes:
- At least 4 months of trading history
- Minimum average monthly card revenue (e.g. $500/month)
- Regular transaction activity (e.g. 8+ transactions per month)
- Evidence of recent trading activity
What should be communicated to the provider?
Merchants must notify Liberis of any business changes that may affect card takings or operations—such as ownership changes, legal structure changes, or temporary closures over 7 days.
Talk to us
Find out how Flex Capital can support your small business customers