Business Cash Advance

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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Business Cash Advance

Thanks to business and merchant cash advances, businesses all over the UK are being given the opportunity to grow. When it comes to obtaining a business loan, many business owners look to high street lenders and banks as their only funding option. However, in recent times banks have implemented a rigorous standardised credit scoring system, making it difficult for many SMEs (Small Medium Enterprises) to secure the finance they so desperately need.

There are many reasons why small businesses often require access to capital, including the need to purchase vital new equipment, carry out refurbishments, hire additional staff members or invest in advertising. However, if you’re a small business and your application has been rejected by the bank, you might worry that your company’s success is in jeopardy if you are unable to finance these necessary expenses.

Thankfully, there is an alternative finance source available – a Business Cash Advance from Liberis. But just what is a business cash advance, and why should you come to Liberis to discuss your cash advance options? While we aim to provide the answers to any questions you might have on this page, if you do have any further queries about our cash advance options, please do get in touch.  

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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 a Business Cash Advance and how does it work?

Our Business Cash Advance is an injection of cash for your business. At Liberis, we will base your advance on future credit and debit card sales, which means that you'll repay via a pre-agreed percentage of your business' card transactions.

As payback is directly linked to card takings, you'll only pay back your advance when your business earns. Unlike many other forms of business funding, company or personal assets aren’t required.

What’s more, if the cash advance takes longer to pay off, the originally agreed pay back cost remains the same. No penalties or fees are added, because there’s no such thing as late payment. A business cash advance is there to boost capital when you need it most.

What can a business cash advance be used for?

Whether you’re a business owner, you have bad credit, or you’re in need of a merchant cash advance for your small business, our cash advances can help you to drive your business forward.  

Get business funding with bad credit

If you’ve got less-than-ideal credit history, look no further than our alternative business funding options at Liberis. While some conventional lenders will not be able to help you, we believe that your credit history shouldn’t be the be-all and end-all when it comes to getting finance. That’s why at Liberis, we focus on your business performance rather than just your credit history. With our Business Cash Advance, the funding will be based on your business’ future credit and debit card sales, and you’ll only pay back as your customers pay you.

  • our cash advance loans can enable you to find the right people to hire.
  • Brainstorm and launch new marketing campaigns: Got some fantastic new marketing ideas for your brand, but don’t have the funds to start creating? Our advance loans can help!
  • Renovate or upgrade offices: Have you been meaning to extend your space for a while, or can’t wait to upgrade your office essentials? Get in touch with us and apply for our Business Cash Advance.
  • Purchase necessary equipment: Whether you’re in desperate need of new computers for your staff, or know that investing in new technology will drive your business even further, our Business Cash Advance can help you purchase what you need.

Why should I consider a Business Cash Advance for my small business?

Designed to help SMEs, our Business Cash Advance is ideal for those of you who may be finding it tough to obtain a small business loan from the bank – particularly if you operate on a seasonal basis. If you’ve been trading for at least 4 months, and take more than £5,000 in customer debit or credit card sales every month, then you can apply for our cash advances.

Why should you come to Liberis for a Business Cash Advance?

Here at Liberis, we know that applying for a cash advance can be daunting, which is why we aim to make the process as smooth as possible. Here are just some of the many benefits of choosing us for your business cash advance:

  • Pay back only when you earn: As we will have already agreed to receive a fixed percentage of your future card sales, there will be no repayment schedule when it comes to your business cash advance.
  • One clear cost: The cost is agreed up front, meaning no hidden fees, charges or extra costs.
  • Solid partnerships: When you apply for our Business Cash Advance, you can rest easy knowing that we are supported by the UK Government.
  • No monthly penalties: Because you pay back as you earn with our cash advances, there are no monthly penalties because there’s no such thing as a late payment.
  • Happy customers: Rather than just take our word for it, visit our customer review page to see why we have a 98% positive customer service rating across education, retail, hospitality and many more sectors. You can view our fantastic ratings on Trustpilot.

 

Why is a Business Cash Advance a safer alternative?

Cash advances are a flexible alternative to conventional bank loans. A business cash advance is a source of cash available to your business based on bringing forward your future credit and debit card sales. It’s repaid flexibly via a pre-agreed percentage of the business’ card transactions, so it will never interrupt your cash flow and there’s no such thing as a late payment. This is ideal if you run a seasonal business and your cash flow isn’t as strong in the quieter months, as you’ll make repayments relative to your income.

Your home will never be at risk with a business cash advance, as it's unsecured. There are no restrictions on how you spend your funds either. We’re here to help boost your cash flow, not tell you how to run your business.

Business stories

Here's what some of the small businesses we've funded have to say about Liberis Finance!