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

Get quick access to funds to support your business through COVID-19.

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Borrow up to £150,000

  • Fixed term loans between £50,001 - £150,000

  • 12 or 24 month terms available

No fees for 12 months*

  • Government covers the cost of finance 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

  • Serving small businesses with finance since 2007

12 month term loan

  • Borrow between £50,001 - £150,000
  • 3 month payment holiday
  • Cost of finance covered by the government**
  • Monthly minimum payments of 13%
  • 9.9% fixed fee. Up to 100% of this fee is covered by the government*
  • The maximum loan amount you can apply for is approximately 1.2x your average monthly card takings 
  • To be eligible your average month card taking volumes during a normal trading month will need to be above £42,000
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24 month term loan

  • Borrow between £50,001 - £150,000
  • 3 month payment holiday
  • Monthly minimum payments 6%
  • First 12 months cost of finance covered by the government**
  • 17% fixed fee. First 12 months is covered by the UK Government so the fee paid by borrowers is <4.5%*
  • The maximum loan amount you can apply for is approximately 2.5x your average monthly card takings
  • To be eligible your average month card taking volumes during a normal trading month will need to be above £20,001
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How to apply for a CBILS loan from Liberis

Applying is quick and easy, and if you're approved funds can be in your account fast.

Check eligibility

Use our eligibility checker to give some details about your business and see if your eligibile for a CBILS loan with Liberis.

Apply online

After we've check your eligibility you can complete our quick and simple online application. 

Get a decision

Our team are working hard to get decisions to customers fast.

Receive your funds

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

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 busineses. Liberis has been supported by the British Business Bank (BBB) since early 2016 providing £22mil to small businesses from the BBB's investment.

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Customer eligibility

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

  • Take card payments and have done for 12+ months
  • Have its card payments handled by one of the following companies: Worldpay, Elavon, Lloyds Cardnet or First Data (now known as Fiserv) 
  • Take a minimum average of £20,001 per month in card
  • Be UK based business activity with turnover < £45m per year
  • Be able to self-certify that it has been adversely impacted by COVID-19
  • Have a borrowing proposal which, were it not for the current pandemic, would be considered viable by the lender

You can find a full list of eligibility criteria on the BBB website here

To get started and check if you're eligible for a CBILs loan with Liberis, please click here

FAQs

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). The provision of this scheme should not be construed as an endorsement or warranty of Liberis by the British Business Bank, or the government of the United Kingdom. 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.

* 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.