Liberis

Liberis is an embedded finance provider that enables payment platforms, marketplaces, and software companies to offer revenue-based funding directly to their small business customers. The company operates as a B2B2B intermediary: it does not serve family offices or private wealth clients, and its products are not designed for wealth management, investment management, or any function relevant to a family office. Its core offering is a white-labeled lending infrastructure that partners such as eBay, Worldpay, Clover, and Nets embed within their own platforms to deliver pre-approved working capital to SMBs.

The mechanics are built around merchant data rather than traditional credit underwriting. Repayments are collected as a fixed percentage of daily revenue, which removes fixed-term obligations for borrowers. Partners can choose from three integration tiers:

• Hosted: a co-branded experience requiring no engineering investment, live within a week
• Embedded: API-driven with the partner owning the UI and Liberis managing risk
• Combined: pre-filled applications built by Liberis using partner data, reducing engineering burden

Liberis reports having deployed over £3 billion in funding to small businesses across 15 markets, with offices in London, Nottingham, Atlanta, Stockholm, and Munich. Its partner network exceeds 40 platforms globally.

This vendor has no relevance to family office operations, private wealth management, or investment infrastructure of any kind. A family office principal, COO, or investment team member evaluating this directory entry will find nothing applicable to their function. Liberis belongs in the SMB fintech or embedded lending category, not in any family office technology stack.