Business loan calculator

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 loan calculator and payment plan

Do you need an injection of cash to see you through some tricky times – or perhaps drive your business up to the next level? There are many different funding options open to businesses like yours, but knowing which option will best suit your situation isn’t always easy to work out.

From business loan rates to commercial repayment plans, there are plenty of factors to think about. With the Business Cash Advance from Liberis, however, securing fresh finance for your business doesn’t have to be complicated.

Using our helpful small business funding calculator (coming soon!), you’ll see how much funding you’ll be able to take out, as well as a tailored example of how our product works and how the funding journey would be for you. After all, we think being upfront and honest is the best way we can help you.

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Turan Gunes
Truva Meze and Grill

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

How does the Liberis business finance calculator work?

Using our business finance calculator (coming soon!) couldn’t be easier to use. And it’ll give you a clear expectation of how our Business Cash Advance could work for you.

All we need to know is the following:

  • Your business type (retail, pub, salon etc.)
  • The number of years you’ve been in business
  • An estimate of your card takings every month
  • The amount of funding your business requires

With just these few details and nothing more to start with, we can give you an estimate of how long it’ll take you to pay for your advance and how much you can expect to pay every month.

The benefits of working with Liberis Finance

Has our commercial loan calculator given you a helpful insight into how Liberis can benefit your business? We’re here to help – but we also appreciate how important it is for you to feel you’re able to trust us. As a 2018 government report states, “it is clear that a lack of trust in lenders” is one of the main reasons business owners are reluctant to request finance.

So, here are some compelling reasons you can trust Liberis when you need financial support:

  • Our Business Cash Advance has already helped 16,000+ UK businesses
  • We’ve advanced £400m+ worth of funding to businesses just like yours
  • 90% customers recommend us
  • We’re also proud of the recognition we’ve received – named Alternative Finance Provider of the Year at the 2018 British Small Business Awards, as well as Alternative Lender of the Year (SME category) for the second year in a row at the 2019 Credit Awards!

Is a Business Cash Advance right for you?

When your business is weighing up your funding options, there can be a lot of numbers to keep track of – APR and business loan rates; borrowing fees or charges; and repayment periods. It’s easy to be overwhelmed, not least if the reason you need support is already causing you stress.

Here at Liberis, our Business Cash Advance is intended to be clear and easy to get to grips with.

  • No fixed monthly repayments – to pay us what you owe (including the cost of finance), we take a pre-agreed proportion of your credit and debit card takings as they come in
  • No penalties or hidden fees – you’ll know the only fee you pay with the Business Cash Advance at the start so there won’t be any nasty surprises later down the line
  • Keep watch over all aspects of your Business Cash Advance with the myLiberis online account management tool, which can also be used to renew your funding if required
  • Any cash takings are yours – if your business receives cash payments, you get to use them to manage your cashflow

How does the Business Cash Advance work?

Our business loan calculator will show an estimate of how your earnings will be directly linked to how much you’ll repay with a Business Cash Advance. After you receive your funding as a lump sum upfront, what you owe will be paid for through your card machine as a pre-agreed share of a debit or credit card payment. It’s automatic too, so you don’t need to worry about making sure you’ve made a payment on time.

It means that your payments could vary from month to month, especially if you’re a seasonal business. But, then again, that’s the whole point – to be flexible and to work around you.

Rigid monthly payments simply don’t work for everyone. You might notice many business loan repayment calculators work on the basis you’ll pay the same amount every month – no matter what. But that’s not practical for a seaside business that takes little or no income during winter months. Or for Christmas businesses, who see trading tail off in January until the autumn.

How much will the Business Cash Advance cost?

Typical business loan APR rates can force the cost of borrowing up for many small businesses and can make a difficult situation even worse. But that’s not the case with our Business Cash Advance. When you apply for support from us, we’ll agree a fixed price that’s tailored to your individual circumstances – no setup fees and no additional charges.

Who can apply for a Business Cash Advance?

Sole traders and small businesses alike are welcome to use our business loan calculator on this page to see if our Business Cash Advance could be the perfect solution.

The funding you could be eligible to receive when you apply for our Business Cash Advance can be used for many reasons: to support growth plans, to cover short-term cashflow concerns, for general convenience, to refurbish your premises or simply to keep going when times are tough.

Rob Straathof, our CEO, says: “At Liberis, we’re on a mission to fund small businesses to help them achieve their ambitions. We’re incredibly proud to support hardworking business owners such as your local bakery to invest in a new oven, help the neighbourhood pub expand with a beer garden, or enable incremental stock purchase for an online retailer.” Since we first launched, we’ve helped more than 16,000 businesses through our Business Cash Advance.

How do I apply for the Business Cash Advance?

Do you need funding for your business?

Are you looking for an alternative to the unpredictable business loan rates and inflexible payment plans that you might get from a high street bank?
Has our business finance calculator shown you a solution that could be the perfect fit for you?

If so, let Liberis Finance help you achieve your aims and ambitions by providing you with a solution that looks at the potential of your business – not its past. Thanks to a higher approval rate than traditional paths of finance, we offer the flexibility and freedom you need to continue what you do best.

Get a quote that’s tailored to you today – so you can start making grand plans tomorrow. 

Already got an account?

If you’ve already benefited from a Business Cash Advance from Liberis and would like to renew your funding, you can do so by simply logging in to your myLiberis account management tool.

Business stories

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