Embedded Finance.

Built for the
moments that matter.

Design a unique funding program within your ecosystem. Finance built to empower your small business customers with capital exactly when they need it most.

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One platform.
A lifetime of funding.

There's a moment in every business growth story when funding becomes critical.
Like when a second location is within reach, or a marketing opportunity can't wait.

What if your platform could be one step ahead? Ready to make it possible with the right offer, at the right moment, delivered from the platform your customers already use to run their business.

At sign-up

Starter Capital offers day-one funding for new-to-platform customers, to remove switching friction and create an immediate path to growth.

At check-out

Pay with Liberis offers pay-over-time funding at the point of purchase, to turn intent into action when buying products in your portfolio.

Always-on

Flex Capital offers an on-demand and replenishing balance, for funding on tap to seize new opportunities.

At eligibility

Working Capital offers fast, flexible offers as soon as customers are eligible, for seasonal swings and day-to-day cash flow gaps.

Proof you can point to.

Real stories from our partners’ customers about what accessing funding at the right moment did for their businesses.

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eBay Seller Capital

"It would have taken me a year and a half longer to build my shop without it"

Arthur, StudioCityCowboy
Read the full story
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Tide Capital

"The whole industry exploded with hobbyist food traders and the market was saturated.. funding was a lifeline."

Winston, New York’shire Pizza Co
Read the full story
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Vagaro Capital

"It's in your account in two days... and I'm now 3 times the size I was in my last space"

Heather, De Novo Salon
Read the full story

Capital where it belongs.

Powered by Liberis: we’ll create a funding program designed around your small business customers' needs, all delivered within your existing customer experience, so they never need to leave it.

Explore how we deliver contextual finance and meet merchants where they are.

Pre-approvedOffers

True pre-approval

We enable data-led, pre-approved offers based on real platform signals, not guesswork.

Revenue data feeds our Al-powered eligibility and decisioning engines, meaning we can produce real-time offers based on a business's trajectory, not just their current state.

Whether a business is growing, steady or seasonal, we can provide them with the most accurate offer for them, with 90% parity.

AI-powered decisions

Underwriting Agent

Powered by ADA, our AI Underwriting agent, we offer best in class offer-accuracy and decisioning speed, with human oversight where it matters.

ADA can rapidly scan large data sources (from financial and compliance to digital footprint) to drive more informed decisions and better risk assessment.

TriggerBasedMarketing

Automated Marketing

Behaviour-based marketing automation means customers hear about funding when the moment is right.

We leverage rich transaction data to inform marketing triggers and relevant, timely messaging. Merchants might receive a personalized offer when a low season is approaching, when the business has grown and a new higher offer is unlocked, or when they have been spending more and need to balance cash flow.

When small businesses can access finance, they report growth rates 5-10x higher than the
economies in which they operate.

Build an embedded finance program for your platform.

Embed once, then add new financial products as your program grows. Fully customized for your small business customers and built within your existing ecosystem.

Find out more

Reach out to our team about what a partnership with Liberis could do for your business and your small business customers.