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

Liberis is a referral partner of Lloyds Bank Cardnet and Liberis provides the Merchant 

Cash Advance, a simple and flexible funding solution.

There are 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 funding offer that's personalised to you, 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 work automatically as a pre-agreed 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.

How it works

Why Choose a Merchant Cash Advance?

  • Funding available from £2,500 - £500,000
  • Funds could be in your account in less than 2 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

Have you been taking card transactions for over 4 months?

Do you receive more than £2,500 a month in card takings?

Our FAQs

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

What is a Merchant Cash Advance?

A Merchant Cash Advance is designed specifically with businesses in mind. This type of finance 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.*

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 Lloyds Bank Cardnet 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 be eligible for?

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 a Merchant Cash Advance could affect your credit score.**

Do you take any security or collateral?

A Merchant Cash Advance 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.

Can I pay back early?

After 14 days, the fixed, upfront funding fee will still apply if you pay early, but there will be no early payment fees.

What can I spend the money on?

You can use a Merchant Cash Advance 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 Limited, a company in England and Wales with Company registration number 5654321 and whose registered office is at Liberis Ltd, Scale Space Building, 1st Floor, 58 Wood Lane, London, W12 7RZ.

Liberis Limited will be delivering the Merchant Cash Advance products and services. Lloyds Bank Plc t/a Cardnet will receive a commission if you decide to take out the product through Liberis. Merchant Cash Advance is not an FCA regulated product. Other options are available for business finance. You should carefully consider the total cost of finance and payment terms to ensure you can afford the cash advance pay back alongside your business expenses. Terms and conditions apply.

Nothing in this communication or any link to any other URL/Website or content of Liberis or other third party should be interpreted as, or constitutes, any Lloyds Bank PLC t/a Cardnet endorsement or approval of Liberis or the Merchant Cash Advance products or services. Lloyds Bank Plc t/a Cardnet and Liberis remain at all times independent parties, and no relationship of agent/principal, joint venture or analogous relationship exists between them.

All trademarks, service marks and trade names referred to are the property of their respective owners. Merchant Cash Advance is exclusively owned and operated by Liberis for which Lloyds Bank PLC t/a Cardnet assumes no liability.

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

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

*** As of August 2023, 78% 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. 

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