SME funding options

At Liberis, we offer an award-winning alternative to traditional business loans: a Business Cash Advance. Our customers use us to access the funds they need in advance and pay us when they get paid - with payments taken via an agreed % of their customers' credit and debit card takings.

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Finance designed for SMEs in the UK

If you’re searching for SME funding in the UK, you may find it a lengthy process as the market is saturated with lenders claiming to offer the perfect solution. Traditional avenues such as bank loans and Business Credit Cards are common considerations for businesses when they are researching sources of funding – and when you have big dreams and visions for your company, nothing should hold you back, not even SME funding options. 

Did you know there are more convenient ways for SMEs to access finance than heading to your local Highstreet banks? Our Business Cash Advance is designed to work seamlessly with your business every step of the way. 

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Beverly Botha
The Travelling Cupcake

Trusted provider

  • Provided over £400m in funding

  • Funded over 16k business across the globe

  • Alternative Lender of the Year winner for two years running at the Credit Awards

Flexible payments

  • Pay us as your customers pay you. Paymments are made automatically via a small percentage of your customer card transactions

  • One, agreed upon cost that never changes

  • No hidden fees or penalties.

Ongoing support

  • You know your business; we know finance - that's why we always listen carefully to offer you the best finance deals for your needs

     

  • 9/10 of our customers actively recommend us to others

What is an SME business loan?

Simply put, SME loan products provide all-important funding to small businesses who may be looking to expand, purchase new marketing collateral, refurbish their premises or buy in a surplus amount of stock. SME funding options can often be much more affordable than business overdrafts or credit cards, which make them the ideal option if your hotel, restaurant, beauty salon or other small business needs a quick injection of cash. 

What are the benefits of SME funding?

Don’t let your business suffer if you need new stock, a bigger space or help getting through difficult seasonal months. SME business loans and other SME funding options can be that fast, straightforward and flexible solution you’ve been looking for.

We know that many borrowing options on the market come with factors that are disadvantageous and potentially detrimental to small businesses, such as large APRs, fees & hidden charges as well as high monthly repayments. Which is why the Business Cash Advance could be exactly what your business needs – a simple and completely transparent option.

Why a Business Cash Advance is an ideal solution for SMEs

Our Business Cash Advance is an alternative SME funding solution. It is essentially an advance of cash which is injected into your business and is based on future credit and debit card sales. The Business Cash Advance is also unsecured, meaning your home and personal possessions will never be at risk. Your payments to Liberis are a pre-agreed percentage of your business’ card transactions – this is our straightforward, cost-per-transaction process which means you only pay us back what your business earns.  

And, because payments to Liberis are directly linked to card takings, they only occur when your business is earning money, meaning you’ll never be caught out if your business is struggling for a short period. If, for some reason your cash advance takes longer to pay off, the original agreed repayment cost remains the same. No penalties or fees are added, because there’s no such thing as a late payment!

Other benefits of our SME funding option, the Business Cash Advance, are: 

  • There is just one fixed cost, agreed upon upfront
  • Unlike many loans, there are no hidden fees, penalties or additional costs.
  • We’re supported by the UK Government-owned British Business Bank 

Why choose Liberis Finance?

There’s a reason thousands of SMEs are choosing alternative finance over more traditional means. Liberis offer SME funding for all purposes, whether you’re looking to spice up your business with a refurbishment, bridge your cashflow, or need to fund marketing initiatives to grow your business – and it’s an unsecured form of SME funding too, meaning your home’s never at risk.

With the Business Cash Advance, you won't ever be charged any penalties; there is no APR and there is just one fixed cost that supports your cash flow. 

Once you have your funds, your payments to Liberis will be small and automatic – taken effortlessly as a fixed percentage of your customer card takings. That means you’ll only ever pay us back when your customers pay you. It’s particularly beneficial for seasonal small businesses like Hotels or Pubs, because you’ll pay back less during quieter periods, and more when your takings are up.

Still unsure? Don’t take our word for it – read all about why our customers are happy they chose Liberis:

"As most small businesses would agree, the sustainability of cashflow can be put under a lot of pressure when dealing with fixed monthly repayments. But by paying as a percentage of my card takings, as I do with Liberis, means that I pay back only as I earn.” – David Moore, owner of Valley Cruises
 

How do I apply for the Liberis Business Cash Advance?

If you’ve been trading as a business for over 4 months and take, on average, more than £5k in card payments, you can Get A Quote today with no obligation or credit checks! If you’re accepted for a Business Cash Advance, you'll pay us when you can afford to – which we believe makes perfect business sense.

We try our best to approve every application we receive from businesses looking for an alternative SME function option. We have provided more than £400m to over 16,000 companies all over the UK.

Business stories

Here's what some of the UK businesses that have taken out a Business Cash Advance have to say about Liberis Finance: