Merchant Cash Advance, to keep business moving
Powers businesses smoothly through the ups and downs. Instant access to capital and payments that flex based on daily revenue.
How working capital works for you
- 1
Fund fast, convert high
Drive an 81% lead to fund rate with a 3-click application, instant decisions, and funding delivered in as little as 1 hour.
- 2
Serve the underserved
Reduce fear of rejection and give more businesses the opportunity to thrive - 98% of pre-approved businesses secure funding.
- 3
Drive long term loyalty
A best-in-class experience and a Trust Pilot score of 4.8 - customers keep coming back.
Perfect for
Smooth, year-round cash flow
Revenue volatility holds many SMBs back from growing with funding.
Working Capital serves businesses managing cash flow highs and lows - like restaurants covering staff costs during a quiet season.
They can apply for a personalised offer of $1k – $1m in a few clicks.
Perfect for
Smooth, year-round cash flow
Perfect for
Smooth, year-round cash flow
Flexible funding at the speed of business
- Offers between $1k - $1m
- Monthly revenue min $1k
- Paid as a % of future revenue
- One fixed fee
Pre-approval reduces fear of rejection
With 98% of pre-approved merchants securing funding – customers can apply with confidence.
Pre-approval reduces fear of rejection
With 98% of pre-approved merchants securing funding – customers can apply with confidence.
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
Maxmimum 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.
- Frictionaless 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
Seasonal businesses and on-the-go operators
Working Capital supports businesses across all industries who face the challenge of fluctuating revenue and need funding that flows with them. From bridging cash flow gaps to stocking up ahead of a busy season.
"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 the Business Cash Advance work?
This product offers funding from £1,000 to £500,000, based on a business’s 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:
Minimum 10 transactions per month
Monthly revenue of at least £1,000
At least 4 months of trading history
Alternatively, 12 months of verifiable revenue (even if off-platform)
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.