Small business funding

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.

Get a quote

Small business funding in the UK

"It remains the case that more SMEs (small to medium sized enterprises) perceive raising finance to be difficult rather than easy." – British Business Bank Investments (BBBI) 2016/17 Report on Small Business Finance.

It's true, raising business finance can be a difficult process; but with the right provider, it doesn’t have to be. If you've been exploring more traditional routes to finance, such as bank loans or overdrafts, it's likely you've encountered considerable hurdles along the way.

Banks typically ask for you to complete lengthy application processes which can take weeks - including your credit history, current cash flow and they will often ask for collateral. None of this guarantees you will be approved or receive your funding when you need it.

In 2007, Liberis Finance recognised the need for a simple small business funding solution in the UK. The solution for this funding gap (estimated at £1bn) comes in the form of a Business Cash Advance; a means of funding focused on how your business is doing overall, rather than just your Credit History.

Get a quote

Beverly Botha
The Travelling Cupcake

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 our small business funding works

We know that for seasonal small businesses like HotelsPubs and Salons, cash flow isn't always steady. That’s why, with a Business Cash Advance, you don’t have to worry about fixed monthly payments. You also won't be charged for any late fees or hidden costs; instead, you pay us when your customers pay you. Payments to Liberis are taken automatically through a fixed % of your monthly customer card takings, so our customers often don’t even notice the impact on their finances.

Why a Business Cash Advance is ideal for small businesses

Our Business Cash Advance is a simple product, responsibly delivered by specialists who are committed to Treating Our Customers Right.

Liberis offers funding built for small businesses:

  • You’ll never have to pay any late fees, APR or other hidden costs
  • It’s unsecured finance, so your home is never at risk!
  • You pay us when your customers pay you

Are you qualified for a Business Cash Advance?

No matter what your business needs funding for, we’re happy to help. As long as you take at least £5K in customer card takings per month and have been in business for 4+ months, then you're eligible to apply for a Liberis Business Cash Advance!

Business stories

Here's what some of the UK businesses that have taken out a Business Cash Advance have to say about Liberis Finance: