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.

• Enabling platforms to offer embedded revenue-based funding to SMB customers
• Underwriting and risk management for SMB lending using partner platform data
• White-labeled co-branded funding experiences for payment and marketplace partners
• Pre-approved funding offer generation using real-time merchant transaction data
• Point-of-purchase financing for SMB product acquisition (Pay with Liberis)

• Revenue-based repayment as a percentage of daily merchant revenue
• Pre-approved funding offers with 90-100% eligibility rates reported for eligible customers
• Four-click application journey with instant decisions
• Three integration tiers: Hosted, Embedded (API), and Combined
• White-labeled and co-branded front-end experiences
• Pay with Liberis: fee-free BNPL for SMB product purchases ($500-$10,000)
• Partner dashboard tracking activation, retention, and GMV impact
• Funding up to $60,000 completable in minutes
• Soft credit checks only, no impact on personal credit scores
• Real-time repayment tracking dashboard for end borrowers

Dedicated partnership teams mentioned; regional contact emails for UK, US, Germany, and Nordics

Hosted integration live within a week; API-driven embedded integration timeline not specified