Buy now pay later, to grow using your products
Fee-free capital offered at checkout. For businesses that are hungry to power their growth through products or services available in your portfolio, from point-of-sale hardware to marketing spend.
How Pay with Liberis works for you
- 1
Strong customer uptake
A fee-free proposition incentivises customers - driving an impressive uptake of 40%.
- 2
Additional product adoption
73% of customers who use Pay with Liberis move on to other financial products.
- 3
Incremental revenue
Businesses invest in your products, and grow in your ecosystem, increasing payments through your platform.
Perfect for
Unlocking opportunities for growth
27% of SMBs use funding for growth-oriented purposes and business set-up costs.
Pay with Liberis gives them the option to pay for $500-$10k of products from your wider offering.
SMBs buy these products (like digital marketing spend or payments hardware) at the point of purchase, with no fee.Perfect for
Unlocking opportunities for growth
Perfect for
Unlocking opportunities for growth
Invest now, pay later
- Offers between $500 - $10k
- Monthly revenue $500-$50k
- Paid as a % of future revenue
- Fee-free finance to cover purchases
Customisable product offering
We work with our partners to create a bespoke approach to integration, marketing and the perfect product mix to offer customers.
Customisable product offering
We work with our partners to create a bespoke approach to integration, marketing and the perfect product mix to offer customers.
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.
- Frictionaless 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
Ambitious operators and growth seekers
For businesses that are hungry to grow and know what products they need to do it. They appreciate efficiency and focus on smart financial decision making when planning how to scale.
FAQ's
How does Pay with Liberis work?
Pay with Liberis is a fee-free Buy Now, Pay Later solution that enables businesses to purchase betwee $500 and $10,000 of products or services in the partner’s product portfolio (e.g. ad spend or POS hardware) directly at checkout.
How are repayments made?
Repayments are automated and taken as a fixed percentage of the business’s daily revenue. There’s no fixed term, and payments flex with the business’s cash flow.
What is the cost structure?
There are no fees, interest, or setup charges for the business. Partners cover the cost of capital through a discount on product margin, allowing the business to access growth tools at no extra cost.
Can the advance be paid early?
Yes, early payment is possible. Since there are no fees involved, there’s no penalty or added cost for repaying ahead of time.
What are the eligibility requirements?
Typical criteria include:
Monthly revenue between $500 and $50,000
Products available to purchase with Pay with Liberis must be part offered by you to the merchant, and agreed with Liberis ahead of time (eg PoS systems, ad credits)
Available funding ranges from $500 to $10,000
What happens if the business pauses or closes?
If the business stops trading for more than 7 days, Liberis must be informed. Unreported breaks in trading may trigger collection procedures.
Will applying or using the product impact credit scores?
For this product, whether Liberis will perform a credit search depends on the partner’s average cart size and purchase. Given funding amounts for this product are lower we don’t typically need to perform formal credit checks.
Where we do perform checks, Liberis will never affect an individual’s credit score as we only perform ‘soft’ credit searches - which allows us to review SMB credit information without impacting credit score.
How is repayment progress tracked?
Businesses can log into their funding dashboard to view real-time balance updates, track repayment progress, and download monthly statements.
Talk to us
Find out how Pay with Liberis can support your small business customers