Merchant Cash Advance

The funding you need, when you need it, paid back when your customers pay you. No APR, just one fixed cost from as little as 9%

Grow your UK business with a merchant cash advance

At Liberis, we understand how difficult it can be for SMEs to access finance from banks due to lengthy turnaround times and lack of security. That’s why our merchant cash advance product, called a Liberis Business Cash Advance, is an ideal solution. It only takes 5 minutes to apply and we can get back to you with a decision in just 24 hours. Because our advance is Unsecured, your home won’t be at risk. 

So, what is a merchant cash advance? It's an injection of £2.5K to £300K into your business, paid back via an agreed percentage of your monthly card takings. Repayments are automatic, and the application is Quick and hassle-free, meaning you don’t have to waste valuable hours setting things up. If you take £2.5K in monthly card takings, and you’ve been in business for at least four months, a merchant cash advance can help you achieve success.

While a merchant cash advance is suitable for most businesses, it's particularly beneficial for those in seasonal industries, like Pubs, Restaurants and Hotels. This is because your repayments literally mirror your cashflow.  

Why a merchant cash advance is a smart alternative

Merchant cash advances are an appealing alternative to regular business loans. For starters, repayments fluctuate directly with your income, meaning you won't have a nasty lump sum to pay at the end of the month. In addition, there is one fixed cost agreed upon at the time of funding, which never changes. We don't believe in hidden fees, costs and APR, and are upfront about the total cost of your cash advance before you sign the paperwork.  

If you choose to grow your business with a you will receive a number of benefits, including that: 

  • There are no monthly penalties, because there's no such thing as a late payment
  • You can apply online in under five minutes (or call a friendly member of our team and do it over the phone)
  • We offer flexible repayment terms depending on card payments
  • 70% of applications are approved
  • 80% of customers renew with us
  • We are backed by the UK Government

Our customers matter

Here at Liberis, we’re committed to providing our customers with friendly, helpful support. It’s important to us that your experience is stress free and that all your requirements are addressed.  

Looking to get things set up as quickly as possible? You can Apply Online in under five minutes! Or maybe you'd prefer to speak to someone through every step of your journey? Call Us today and ask us anything you want.


The Liberis Business Cash Advance - Designed to help SMEs
  • Funding from £2.5k to £300k
  • One fixed cost; no APR, varying terms or penalty fees
  • A quick, easy and no hassle onboarding process
  • Higher approval rates than the banks
  • Flexible and painless repayments that support cash flow
  • 80% of customers use us again
Apply in minutes

You can apply in a matter of minutes, and we can make a decision on the phone for you there and then.

  • One simple cost (no APR)
  • You need a credit/debit card terminal
  • You keep 100% of cash earnings
Get a quote

Supported by the UK Government

Credit Awards 2018 logo
Commercial Finance
Hiscoxs Tec Track 2018
Founding member
The Association of Alternative Business Finance
Affiliate member
BFA Affiliate
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Registered in England and Wales No: 5654231. Address: Third Floor, Glen House, Glenthorne Road, London, W6 0NG
Liberis is a responsible financial provider. Liberis does not offer 'short-term loans'. The minimum expected duration of a Business Cash Advance is 120 days / 4 months and typical expected durations are 6-12 months. These business financing products are not consumer loans.