Introductory funding for switchers new to platform
Low barrier finance offered to small businesses as they onboard or on day-one, access to further capital is then unlocked as their business transacts and grows.
How starter capital works for you
- 1
Drive acquisition
A powerful incentive for sales teams to drive switchers to your platform.
- 2
Enable high penetration
98% eligibility and 90% approval rates drive significant uptake, and further capital offered after 8 weeks boosts LTV.
- 3
Growth from the start
Instant access to capital supports SMBs to switch and grow from day one, reducing fail rates to keep your customers trading.
Perfect for
An immediate path to growth
Small businesses switching to a new payment platform often face operational complexity and cash flow disruption.
$500-$50k of Starter Capital can be offered to 98% of merchants as a switching incentive or as a welcome benefit.
Perfect for
An immediate path to growth
Perfect for
An immediate path to growth
Instant access to capital to drive day-one growth
- Offers between $500-$50k
- Open banking to assess offer size
- Paid as a % of future revenue
- A single fixed fee (partner option to discount)
Customisable based on partner goals
Product pricing and criteria can be tailored based on partner goals, like target customer base or acqusition strategy.
For example, partners relying on sales teams can leverage Partner Hub - an interactive sales portal for end-to-end onboarding.Customisable based on partner goals
Product pricing and criteria can be tailored based on partner goals, like target customer base or acqusition strategy.
For example, partners relying on sales teams can leverage Partner Hub - an interactive sales portal for end-to-end onboarding.
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
Maximum 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
New to platform entrepreneurs looking to accelerate growth
Starter Capital is a unique opportunity to access funding when others say no, and is perfect for both early stage entrepreneurs or established growing businesses.
For opportunity seekers keen to grow on a new platform, or established businesses looking to reduce complexity and operate all financial services from a single provider.
"Each time I use them it is to upgrade some aspect of my business...financing is simple and fast with payback being taken as a percentage of card transactions."
John, Bargainland
Worldpay
"Working with Liberis helped me expand my eBay business and take advantage of an opportunity...Liked the ease of funding and repaying the funds with a daily percentage was easy to work with."
Anon, Online retailer
eBay
"Great product! Iv recieved cash advances before for a normal rate but the speed you get the funds is amazing"
Kamel, Kensingtons HC
Teya
"Each time I use them it is to upgrade some aspect of my business...financing is simple and fast with payback being taken as a percentage of card transactions."
John, Bargainland
Worldpay
"Working with Liberis helped me expand my eBay business and take advantage of an opportunity...Liked the ease of funding and repaying the funds with a daily percentage was easy to work with."
Anon, Online retailer
eBay
"Great product! Iv recieved cash advances before for a normal rate but the speed you get the funds is amazing"
Kamel, Kensingtons HC
Teya
"Each time I use them it is to upgrade some aspect of my business...financing is simple and fast with payback being taken as a percentage of card transactions."
John, Bargainland
Worldpay
"Working with Liberis helped me expand my eBay business and take advantage of an opportunity...Liked the ease of funding and repaying the funds with a daily percentage was easy to work with."
Anon, Online retailer
eBay
"Great product! Iv recieved cash advances before for a normal rate but the speed you get the funds is amazing"
Kamel, Kensingtons HC
Teya
FAQ's
How does Starter Capital work?
This product offers funding from £500 to £50,000 based on a business’s self-declared revenue. A fixed percentage of future sales is deducted to pay the advance, and one fixed cost is agreed upfront.
How are repayments made?
A pre-agreed percentage of daily sales is automatically deducted. There is no fixed term and no additional or hidden charges.
What is the cost structure?
The advance carries a single fixed fee agreed in advance. There are no interest rates, APRs, or setup fees. The cost is tailored based on business performance and credit profile.
Can the advance be paid early?
Yes, early payment is allowed. The fixed fee remains payable, but there are no early payment penalties.
What are the eligibility requirements?
Typical criteria include:
Monthly revenue of at least £500
No trading history with current partner required
12 months of previous verifiable revenue
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?
Quotes do not affect credit scores. A full application involves credit bureau checks that are visible to other lenders. Taking out an advance may impact credit scores.
How is repayment progress tracked?
SMBs receive monthly payment statements and have access to a portal to monitor their balance and payment progress in real time.
Talk to us
Find out how Working Capital can support your small business customers