Business Cash Advance

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.

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.

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.

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.

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.