Liberis Impact Report

Expanding Access, Powering Growth

Small businesses face tougher growth challenges than ever. Inflation, changing consumer behavior, and rapid digital transformation make timely access to capital critical for survival. We surveyed 1,700+ small businesses to understand their needs and funding experiences.

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77% of small businesses increased revenue post Liberis funding

Embedded finance drives platform growth

The report data reveals how embedded capital creates measurable value for platforms and the small businesses they serve. 
small business retention icon

3X

Platforms see 3X higher retention for funded merchants 

small business revenue growth icon

77%

experienced revenue growth post funding

small business evolving needs icon

82%

of small businesses have evolving financial needs 

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Post-funding, small businesses reported growth rates 5-10X higher than the economies in which they operate

Fueling ambition, powering progress

Access to funding is often the difference between standing still and moving forward. Whether it’s seizing a growth opportunity, managing seasonal dips, or navigating unexpected expenses, small businesses need fast, flexible capital to stay resilient and competitive.

SMALL BUSINESS CHALLENGES FUNDING WANTS AND NEEDS FUTURE FUNDING NEEDS
Previous funding rejection from traditional lenders graph

63.48%

affected by inflation
and cost-of-living pressures

75.8%

faced at least one rejection through traditional lenders

Key Insights

With 63.48% citing inflation as their top concern and 75.8% struggling to access finance, the need for flexible finance solutions is clear. Other challenges include competition, recruitment (especially in the UK), and supply chain strain, while tech adoption remains a lower priority for now.

 

How small businesses use funding graph

59%

require extra capital during peak periods

47%

Would have missed opportunities without access to embedded capital

Key Insights

Businesses accessing embedded capital at operational inflection points - inventory needs, seasonal peaks, equipment upgrades - demonstrate materially higher revenue trajectories than those constrained by capital availability. New stock/inventory stands out as the largest driven for funding but cashflow support is also a critical theme.

Businesses expecting to seek additional finance graph

78%

of businesses expect to
seek additional funding

73%

of funded respondents experienced
material benefit from capital availability

Key Insights

US businesses were slightly more certain than UK businesses in regards to future funding needs, but the overall sentiment is clear: small businesses are bracing for continued economic pressure and view funding as a key tool for resilience and growth. Only 3% said they were unlikely to seek further funding, confirming strong demand for ongoing financing solutions.

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Funding fuels revenue growth

Businesses accessing embedded capital at operational inflection points - inventory needs, seasonal peaks, equipment upgrades - demonstrate materially higher revenue trajectories than those constrained by capital availability.

Small business revenue growth post funding

The opportunity cost is significant

Missed growth windows, drained personal reserves, and the ongoing pressure of operating under financial strain.


What small businesses would have done without access to embedded capital graph
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Finance without limits

Funding is being used to reinforce the essentials - inventory, equipment, marketing, and cashflow - helping businesses navigate rising costs and inflation, which 67% named their top challenge. For platforms, the message is clear: embedding finance drives loyalty and growth.

57%

of small business respondents want personalised financial offers

68%

would stay with their current platform if they offered more financial products

41.6%

reported creating or saving one job

90%

of small businesses agreed that funding provided by Liberis had a positive impact on their business

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Survey Demographics

 

Impact Report - Industry Demographic FINAL
Impact Report - Operating Demographic FINAL
Impact Report - Revenue Demographic FINAL

About This Research

This study was concluded on Oct 31st 2025, surveying 1,737 small businesses that have previously received funding from Liberis. The research methodology included online surveys and anonymous data analyzation.

Research period: 1st Oct - 31st Oct 2025

Methodology: Survey, Anonymized Data Analysis

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Access the complete research report with analysis, additional charts, and actionable recommendations.

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