Unsecured business loans

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.

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Unsecured business loans

There may come a time where your business needs an injection of cash in the form of an unsecured business loan. Perhaps you’re expanding, need to purchase more products to meet a sudden higher demand, or you need to increase your marketing budget. You’re more than likely going to turn to your bank to have a conversation – but is this your best option?

Recent reports reveal just how high the numbers of rejections from high street banks to small business loan applicants are; declaring that only one in ten small businesses are now able to secure a loan from their bank during their first year of trading, while one in six resort to a high-interest, payday loan to fund their business.
 

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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

What is an unsecured business loan?

An unsecured business loan is simply a straightforward funding solution for your small to medium-sized business. You can borrow an agreed amount of money without having to secure it against things such as your home.

These types of cash injections provide a flexible source of funding for businesses that lack assets, for those that have only been running for a matter of months, or those that don’t want to secure their existing assets against a loan. More-often-than-not, the decision to lend is given quickly and your unsecured business finance can be with you in as little as a couple of hours. As long as you make your repayments as agreed, these are often the best small business loan options on the market. 

What are the benefits of an unsecured business loan?

If you need cash quickly to help your business, whether this is for improvements in your marketing plan, new stock, samples or upgrades to your equipment, an unsecured business loan can be that fast, flexible and straight-forward business lending solution you’ve been looking for.

We know small businesses owners like unsecured business loans today, because they’re safe in the knowledge that their home will never be at risk. But these loans often come with things that are disadvantageous to small businesses such as large APRs, fees, hidden charges and fixed monthly payments.

Our Business Cash Advance is an alternative solution, as you won't ever be charged any penalties. There are no late fees or penalties and there is just one fixed cost that supports your cash flow.

How does the Business Cash Advance work?

A Business Cash Advance is an advance of cash based on future credit and debit card sales and is unsecured, meaning your home won’t ever be at risk. You could receive a cash boost which is paid back via a pre-agreed percentage of your business’ card transactions – this is our simple, cost-per-transaction system which means youonly pay us when your business earns.

Because payments to Liberis are directly linked to card takings, it only occurs when your business is earning money, which means you’ll never be caught out if your business is struggling for a short period. And unlike many other forms of business lending, your home will never be at risk. If, for some reason your cash advance takes longer to pay off, the original agreed repayment cost remains the same. No penalties or fees are added, because there’s no such thing as a late payment!

Other reasons these are the best financial options for SMEs:

  • One clear cost, agreed up front
  • No fixed repayment schedule
  • No late payments – and, of course, no late payment charges or any other extra costs
  • Payment mirrors your cash flow, so it’s ideal for seasonal businesses Pay us as you earn, through a percentage of your customer credit and debit card transactions

Ready to see if we can help you? Get a quote online today .

Why choose Liberis Finance?

Our cash advance is unsecured, meaning that your home won’t ever be at risk, and we won’t judge your suitability by just your credit score. As long as you meet the minimum business requirements, you could receive that all important cash injection to help your business achieve its goals. 

Still unsure? Don’t take our word for it – read all about why our customers are happy they chose Liberis:

“The funding has allowed me to really change the face of the practice, from the way it looks to the services and eyewear I provide, creating a very distinctive offer. It’s put me ahead of the game and the business is really benefitting. Plus, there isn’t the stress of fixed repayments because pay back is based on my credit card takings, so it doesn’t hurt if we only have an ‘okay’ month.” – Simon Falk, owner of an independent opticians.

How do I apply for the Liberis Business Cash Advance?

 

As long as your business has been trading for over four months and takes on average, more than £5k worth of customer debit and credit card transactions each month, you could apply and be accepted for a Business Cash Advance to help your business. 

We have provided more than £400m to over 16,000 companies all over the UK. In need of a cash injection swiftly? Get a quote online today – without impacting your credit score! Or you can call our friendly and experienced team on 0330 017 4175.

Business stories

Here's what some of the small businesses we've funded have to say about Liberis Finance: