Small Business Loans

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%.

Small business loan solutions

Securing finance as a small business is an increasingly tricky task, especially when looking to the traditional sources of this funding such as banks.

Recent reports reveal that SMEs searching for small business loans are subject to high levels of scrutiny and rejection from high street banks. Research has shown that only one in ten SMEs are now able to secure a loan from their bank during their first year of trading, whilst one in six are forced to resort to a high interest, pay-day loan to give their small business a financial boost.

These loans are usually repaid by fixed monthly amounts and are subject to APR, late fees and other charges. This method of repayment doesn’t suit all small businesses: some SMEs may be seasonal businesses, meaning that some months are better than others. During a quieter month small business owners may struggle to pay back the fixed repayment amount.

This is why Liberis provide an alternative solution – a Business Cash Advance, which is a form of unsecured business finance, meaning your home will never be at risk.

Benefits of a business cash advance

Unsecured Business Finance is often favoured by SMEs as they can rest assured that their home is never at risk.

Another benefit is the repayment method for a Liberis business cash advance. We understand that seasonality can affect the monthly income of smaller businesses, causing the cash flow of some businesses to be tighter than others. Our repayments are based on a percentage of your monthly card takings, meaning the amount you pay changes depending on how much you earn, never leaving you strapped for cash.

Other reasons that our cash advance system is a great finance option for SMEs include:

  • One clear cost, agreed upon up front
  • You keep 100% of your cash income
  • No fixed repayment schedule
  • No late payments and no late payment charges
  • Repayments mirror your cash flow
  • No fees, hidden charges or penalties. Ever.

Need a small business loan?

Try our Business Loan Calculator to help you work out what your monthly repayments will be and over what estimated time period.

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
Get A Tailored Quote Now

Our new clever technology will will look at your business and give a quote that's tailored to you.

  • One fixed cost from as little at 9%
  • No APR or penalty fees
  • Get a fast decision online without impacting your credit score
Get a quote

Supported by the UK Government

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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.