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Liberis

+44 20 3699 9950

Flexible funding to support your business, when you need it.

Liberis Business Funding, in partnership with Global Payments, can be used for purchasing stock, refurbishing your business or simply managing your cash flow.


No hidden fees, no fixed monthly payments - just access to flexible funding, paid back when your customers pay you.*

Business Funding In 4 Easy Steps

Liberis will work with you to understand your business needs and provide a finance offer that's personalised to your business, without impacting your credit score.**

Once your application is then agreed and approved, you’ll receive the funds to invest in your business. This can be as soon as 2 working days of approval.***

Payments are taken automatically as a small percentage of your card transactions, meaning you pay Liberis as your customers pay you.*

You can remain focused on your business, knowing funding is sorted.

Why Liberis?

  • Financing available from £1,000 - £500,000
  • Funds could be in your account in less than 3 working days***
  • Payments mirror your cash flow*
  • One agreed cost that never changes*
  • Simple and easy to understand approval process

Let's get started

Check your eligibility

In order to be eligible for funding you must: 

  • Accept debit and credit card payments
  • Have at least 4 months of transaction history
  • Have £2,500 or more in card transactions per month and at least 10 card transactions per month
  • Be in one of the following industries:  bar & restaurant, hotel/hospitality, retail, medical (such as doctor, dentist, or veterinarian), or automotive. 

What our customers have to say

"It’s put me ahead of the game and the business is really benefitting. Plus, there isn’t the stress of fixed repayments because the payback is based on my credit card takings, so it doesn’t hurt if we only have an ‘okay’ month."


Simon Falk, Eyecare

"Because money often comes in in dribs and drabs, paying as a percentage of our takings means we don’t even notice the payments going, it's helped us massively."


Bobby Gordon, Fella Barbers

Our FAQs

Want to know more? Read our frequently asked questions below about our flexible business funding.

What is Liberis Business Funding?

Liberis Business Funding, in partnership with Global Payments, is designed specifically with businesses in mind. This type of funding is based on your business’ card transactions and potential. It includes just one fixed cost agreed upfront, so you know exactly how much you will pay. The advance is paid via an agreed percentage taken from your customer card transactions. It happens automatically mirroring your cash flow – ideal for the ebbs and flows of business.*


Who are Liberis?

We are a leading small business finance provider offering simple, flexible and transparent funding to help UK businesses achieve their ambitions. Established in 2007, in a space where traditional banking and loan models were unable to meet the needs of UK small businesses, Liberis provides finance based on business potential, not just credit history.


How does it work?

You can submit your details on this page to begin the process.


1. Liberis will agree on a percentage split that will be taken from your customer card payments processed. This will be taken from your daily batched card transactions and will go to Liberis to pay your advance, the remaining balance will go to you.

2. Liberis will agree on a price with you, which is one fixed cost added to your advance amount, so you know exactly what you’ll be paying.*

3. Once agreed, Liberis will then process your application. During this process, Liberis will look at your business and conduct some checks, such as affordability, credit, and insolvency.

4. Once approved, you will receive the funds to use as you wish for your business.


How do I qualify?

If you are a Global Payments customer who takes customer card transactions totaling at +£2,500 per month and you have been trading for more than 4 months, you are eligible to apply.




How much could I get?

The amount we can fund you will depend on your business. We will look at your monthly card transactions and provide a funding amount for your business.


Can I tailor my quote?

Yes! You can choose the amount of funding you would like, and the percentage of your customer card transactions you would like to pay towards the advance. This determines the funding fee and ultimately the overall amount you will pay.


What credit checks do you perform, and will they impact my credit score?

When you submit a full application, we will use a number of sources of information to help understand your business. We carry out both company and consumer credit bureau searches, which will leave a record of the search on both credit files, visible to other finance providers. Your credit score won’t be affected when applying but taking out Liberis Business Funding could affect your credit score.**


Do you take any security or collateral?

Liberis Business Funding is an unsecured way of accessing finance and is not a loan. This means your home is not at risk. We will ask you for Personal Guarantees if you are applying as a limited company or limited liability partnership.


How long will it take me to pay Liberis back?

Your payments to us are linked to the way you are trading which means there is no set period to pay off. The payments will mirror your cashflow, so the time taken depends on your business sales.


What can I spend the money on?

You can use Liberis Business Funding for many different business’ needs, whether it’s boosting online marketing, expanding an online shop, or simply managing cashflow.

This product is provided by Liberis Ltd, a company registered in England and Wales with company number: 5654321 and address at: Scale Space Building, 1st Floor, 58 Wood Lane, London W12 7RZ. The Liberis Business Cash Advance is not a loan and this product is not regulated by the Financial Conduct Authority.



* You will be expected to operate your business in a way that ensures Liberis receives a minimum monthly amount of 3% of the total amount owed to Liberis.

** Your credit score is not affected by applying for a BCA (Business Cash Advance). Taking out a BCA may affect your credit score, and any decision to take out a BCA shall be solely at your own risk.

*** As of March 2021, 86% of customers of successful applications received funding within 2 working days. Any preliminary approval will be based on the information about your business that is available at the time. You will get a final decision after submitting an actual application.