Finance designed for small businesses

Connect with your Xero account. 

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What is a Business Cash Advance?

Our finance is a simple solution based on advancing your future customer credit and debit card payments. You'll never be subject to any penalties, late fees or APR. Ever.

How does it work?

Your payments to Liberis are taken automatically through a small, agreed percentage of your customer card takings. This way your balance is matched directly to your cash flow, and you only pay us when your customers pay you!

Who is eligible?

If you’ve been trading for over 4 months with a card terminal, and take at least £2.5k in customer card transactions a month, then you’re eligible for a Business Cash Advance from Liberis Finance! Get a quote today. 

Chantal Kirk
Perfect Day Florist

See how it works
Our payment terms work at the pace of your business, with no hidden fees or penalties to slow you down. That means you can relax and get on with what you do best: running your business.
  • Check your eligible for funding and how much for

    Get a quote and find out if you're approved online in under 5 minutes - all without impacting your credit score!

  • Connect your Xero account

    Select the liability and expense accounts to use for your funding and payments to Liberis. We’ll ask you to identify the bank accounts for each.

  • Receive your funding to the designated bank account

    Sit back and relax! Liberis will automatically update your Xero account to reflect the latest status of your advance.

  • Get funding again

    Fast-growing and seasonal businesses often need repeat funding. We can help you access long-term funding at even better rates.
     

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Trusted, because we care

70%

approval rate

£400m

funded to UK businesses

9/10

customers recommend us

80%

of customers get repeat funding

Business stories

See what our customers say about us:

  • Simon Falk
    Simon Falk Eyecare

    Simon Falk Eyecare

    "The funding has allowed me to really change the face of the practice. It put me ahead of the game and the business is really benefiting. 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."

    View Business story

  • Wayne Brisco
    Diva Pets

    Diva Pets

    "When we first spoke to Liberis two years ago, they were so easy to deal with - and have been ever since! Whenever we need to refinance it’s quick, it’s simple, it’s easy. It’s all taken care of online and the cash transfer is quick."

    View Business Story

  • Suge Tingle
    Isobel May

    Isobel May

    "Liberis’ funding is brilliant! I don’t even notice it being paid back and then it suddenly is. There’s no hassle. Plus I never had to worry if there’s a slow period."

    View Business STory

  • Chantal Kirk
    Perfect Day Florist

    Perfect Day Florist

    "I take card payments every day and lots over the telephone, so I just don’t miss the money. And I always know I’m going to be busy around Mothers’ Day, Valentines’ and Christmas too, so they cover a lot of the cost. It’s a big advantage over paying a monthly fee like you would with the bank."

    View Business Story

  • Carleton Leonard
    Gibsons Nightclub

    Gibsons Nightclub

    "I think it’s just such a simple system; whoever came up with it should be applauded! A percentage of whatever you take in card payments goes directly towards paying your debt – if you could even call it a debt – so it’s so simple."

    View Business Story

  • David Moore
    Valley Cruises

    Valley Cruises

    "As most small businesses can agree, the sustainability of cash flow can be put under a lot of pressure when dealing with fixed monthly payments. But by paying as a percentage of my card takings, as I do with Liberis, means that I only pay back as I earn."

    View Business Story
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