Apply for a Coronavirus Business Interruption Loan Scheme (CBILS) loan from Liberis

You can now apply for a Coronavirus Business Interruption Loan Scheme (CBILS) loan with Liberis and get quick access to funds to support your business through COVID-19. To see if a CBILS loan can help you, click below to check your eligibility today.

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Borrow up to £150,000

  • Fixed-term loans of £50,001 - £150,000 available from Liberis through CBILS

  • 12 or 24 month terms available

No fees for 12 months*

  • Government covers the cost of your CBILS loan for the first 12 months**

  • Pay nothing for the first three months 

  • Fixed monthly repayments taken via your card transactions as customers pay you

Trusted finance provider

  • 9/10 customers recommend us 

  • Liberis is rated ‘Excellent’ on Trustpilot 

  • We’ve provided financial support to UK small businesses since 2007

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CBILS loan – 12-month term loan

  • Borrow between £50,001 - £150,000
  • 3-month payment holiday
  • Cost of loan covered by the government**
  • 13% monthly minimum payments
  • 9.9% fixed fee (up to 100% of this fee is covered by the government*)
  • The maximum amount you can apply for with Liberis is approximately 1.2x your average monthly card takings 
  • To be eligible, your average card takings during a normal trading month must be above £42,000
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CBILS loan – 24-month term loan

  • Borrow between £50,001 - £150,000
  • 3-month payment holiday
  • 6% monthly minimum payments
  • 17% fixed fee
  • First 12 months’ cost of loan covered by the government**, so the fee you’ll pay is actually <4.5%*
  • The maximum amount you can apply for with Liberis is approximately 2.5x your average monthly card takings
  • To be eligible, your average card taking during a normal trading month must be above £20,001
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How to apply for a CBILS fixed-term loan from Liberis

Applying to Liberis for a Coronavirus Business Interruption Loan Scheme loan is quick and easy. We know that, for many UK small businesses, these are challenging times and appreciate how valuable this support can be. That’s why, if you're approved, we aim to get your CBILS loan funds to your account fast. Here's a quick overview of how to apply for support...

Check eligibility

Use our eligibility checker to provide some details about your business and we'll let you know if you're eligible for a Liberis CBILS loan.

Apply online

Once we check your eligibility, the next step is to complete our quick and simple online CBILS loan application. 

Get a decision

Our team are working hard to make sure our customers get a decision – and the support you need – fast.

Receive your funds

Once approved, funds will be sent to your account quickly.

Check eligibility

Liberis is an accredited lender for the Coronavirus Business Interruption Loan Scheme (CBILS)

Liberis is accredited under the Coronavirus Business Interruption Loan Scheme to offer loans to small businesses. Liberis has been supported by the British Business Bank (BBB) since early 2016 – distributing £22mil to UK businesses thanks to BBB investment.

Go to BBB wesbite

Customer eligibility

To be eligible for a Liberis CBILS loan, your business must:

  • Take card payments and have done so for 12+ months
  • Use one of the following companies to handle card payments: Worldpay, Elavon, Lloyds Cardnet or First Data (now known as Fiserv) 
  • Take at least £20,001 in card takings in an average month
  • Be based and active in the UK, with turnover < £45m per year
  • Be able to self-certify that it is/was adversely impacted by COVID-19
  • Have a borrowing proposal which, were it not for the current pandemic, would be considered viable by Liberis  

For the full list of eligibility criteria, please visit the British Business Bank website. 

To get started and see if you qualify for a CBILS loan from Liberis, use our eligibility checker. 

Coronavirus Business Interruption Loan Scheme FAQs

We fully understand that you might have some more queries about the Coronavirus Business Interruption Loan Scheme – and if it’s available to you. So, we’ve put together a list of some of our most frequently asked questions about Liberis’ CBILS loans.

If you’re still unable to find the answer(s) you're looking for, please get in touch with our team today. We’ll be more than happy to help.

Legal notice

The Coronavirus Business Interruption Loan Scheme (CBILS) is managed by the British Business Bank on behalf of, and with the financial backing of the Secretary of State for Business, Energy and industrial Strategy (BEIS). British Business Bank plc is wholly owned by HM Government and is not authorised or regulated by the Prudential Regulation Authority (PRA) or the Financial Conduct Authority (FCA). Full details on CBILS and the list of participating CBILS lenders can be found on the British Business Bank website at: www.british-business-bank.co.uk/CBILS.

Please note: The guarantee is under the CBILS Scheme is provided to the Liberis and not the small business borrowers. As with any other commercial transaction, the borrower is always responsible for repayment of the full value of any facility supported by CBILS.

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* This is subject to a business applying for the Business Interruption Payment (BIP) and not defaulting on its debt.

** As with any other commercial transaction, the borrower is always responsible for repayment of the full value of any facility supported by CBILS. Any portion of costs not paid by the government remain the responsibility of the borrower.