We’re liberating lending for small businesses

  • Pay back through your card transactions
  • Business Cash Advance of £2,500 – £300,000
  • No fixed monthly payments to worry about
  • 4 out of 5 customers would recommend to a friend

Apply in a matter of minutes

Get a decision in as little as 24hrs

Payback only as you earn

We’ve designed it for UK businesses

We’ve advanced over £110m to businesses like yours to help keep the tills of Britain ringing. We understand businesses need cash flow and constant investment to grow (or just survive). Whether you’re planning a refurbishment, buying next season’s stock or simply plugging a gap, our job is to help you access the funds you need (not judge what you want the money for).

We’ve been going since 2007 and it seems to be working…

Over £110m provided

Over 60% of customers renew

Over 3,000 businesses

  • Lynette MacArtur - Award-winning Interflora florist

    Some days we can put £1,000 through the card machine and on other days it can be £35.00, but the payback mirrors this. There’s no pressure at all. It really is the perfect funding for us.

    Lynette MacArtur – Award-winning Interflora florist ‘Petals of Oban’

  • Purdy's of Brighton

    I can’t afford to miss an opportunity. Sellers are paid immediately, but it can take weeks for the item to sell, so I need funding that suits my cash flow.

    Martin Purdy – Purdy’s of Brighton (Jewellers)

  • Small Business Funding - Brennan Magee

    I approached Liberis for funding to help plug a seasonal cash-flow gap and to fund the launch of a new motorcycle MOT service to complement my car repair and MOT business. From a phone call and a few emails, the money was in my bank with two weeks and I launched the new motorcycle servicing and repair centre within a month. It’s going very well; business is good and growing steadily.

    Ian Jowitt – Thwaites Garage Repair & MOT Centre

  • I started making a profit almost immediately and I didn’t even notice the payback coming off my takings at the end of the month. It was completely effortless, because the payback fitted with my cash flow. The Liberis team is amazing. They’ve taken the time to get to know me and my business very well and are incredibly helpful. The money is always available quickly and they’ve even spoken directly to suppliers to confirm when the advance will be received. This type of funding makes it possible for me to invest in equipment, stock and training so I can provide the latest and most advanced health and beauty treatments for my customers. There’s simply no other funding option which would work as well for my business or even be available to me.

    Emma Doggett, The Health and Beauty Rooms, Worthing, West Sussex

  • We’ve been a Liberis customer for a while now and think it’s the most ideal way to get funding for a seasonal business like ours. Because pay back is based on day to day trading, it has a much lower impact on our cash flow. And we can get funding during the quieter months of the year when we most need it, knowing that much of the payback will happen when we’re in mid and high season. It makes managing our cash flow very straight forward and because it’s a fixed cost, there are no surprises. Business cash advance is just right for our type of business. We find it very flexible, quick and effortless to organise and we get a very personal service from the team. We’d certainly recommend it to other businesses, especially those in hospitality or other seasonal sectors.

    Charlotte Holland, Northop Hall Country House Hotel

  • We set up the business in February 2011, selling men’s and women’s second-hand clothing in the Old Slaughterhouse building in Leeds market. It has loads of brilliant architectural features, but only two floors were habitable. We used the cash advance to do everything, from refurbishing the original wooden flooring to re-doing the electrics and lighting. You’d hardly recognise it now. The staff at Liberis were really helpful and always returned our calls quickly. It’s easy to use and understand, as you can see exactly what you’ve taken on a given day and what’s been deducted. When we needed a second advance, it was sorted in less than 48 hours. If we were planning another project, we’d definitely use Liberis. I’d recommend them.

    Nicola Isa, Best Vintage Limited

What is a Liberis Business Cash Advance?

Simply put, it’s a friendly cash injection for your business, which you pay back only as you earn, through an agreed amount of your credit & debit card sales.It’s up to you what you spend it on, and unlike a loan, there’s no APR or fixed payments, just one simple cost which we agree with you at the start.Better still, your home & assets are safe. We don’t secure the advance against the things which matter the most. (Sigh of relief).

Your home stays safe (it’s unsecured)

Apply in minutes – decisions made on the phone

Pay back only as you earn (as linked to card sales)


Cash without the hassle. Or delay.

Unlike traditional finance, we’ve looked at all the things that matter to your businesses and built a product around you. Like understanding cash flow is critical, so fixed repayments and APRs just don’t work. And knowing your time is best spent running your business, not creating business plans and jumping through hoops.

One Simple Cost

We will agree with you upfront a cost for taking the business cash advance. We will then agree a percentage of your daily card takings which will be used to pay it back.

  • No fees, penalties or hidden charges. Ever.
  • You keep 100% of your cash income
  • In slow times, you pay back less and in good times you pay back more.
  • No other expenses (like legal or accounting set up fees)

Refreshingly friendly isn’t it?

As we’re big on being friendly, we’ve been looking for Britain’s Friendliest Business, to recognise those businesses who share our own values. And we’ve put £10k up for grabs for the winner.

We’re pleased to announce the award for 2014 has gone to the very worthy…


The Pheasant Inn


Helter Skelter Play Centre, Broadstairs


Commercial Group Cheltenham

Find out more >

In the News

Are you ready for a Business Cash Advance?