Provider profile · 2026 edition
Liberis review 2026: scores, fees and alternatives.
A UK provider of revenue-based cash advances sold directly and through partner platforms, with five products from starter advances to custom limits.
WhatsApp and Telegram +44 7563 115980
[email protected]
A UK provider of revenue-based cash advances sold directly and through partner platforms, with five products from starter advances to custom limits.
Liberis is ranked in 2 Buckingham Intelligence indices. Its highest score is 2.9 out of 5 (57 out of 100) in the Revenue-Based and Working Capital Finance Index, where it ranks 4 of 12. It is strongest for UK merchants wanting a published representative cost and a range of advance sizes, with 5 out of 5 for product range. Not published or not stated on the pages read: eligibility, limits and speed and borrower terms.
Also ranked in: Embedded Finance and Insurance Index (2.5 out of 5, rank 9 of 14).
Scores from the Embedded Finance and Insurance Index and Revenue-Based and Working Capital Finance Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For online and retail brands | 58 | 4 of 12 |
| For software and subscription firms | 51 | 4 of 12 |
| For small businesses and merchants | 62 | 2 of 12 |
No award in the Embedded Finance and Insurance Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For software and platform companies | 50 | 8 of 14 |
| For retailers, travel and marketplaces | 55 | 8 of 14 |
| For regulated firms adding products | 44 | 9 of 14 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
UK merchants wanting a published representative cost and a range of advance sizes.
Payment and software platforms offering funding to small businesses.
What Liberis publishes on its own pages, read on 26 October 2026.
A UK provider of revenue-based cash advances sold directly and through partner platforms, with five products from starter advances to custom limits. It publishes a representative APR with a worked example, revenue thresholds for each product and states plainly that its financing is not regulated by the FCA. It does not publish trading history rules, personal guarantee terms or a security certification.
| Fact | What the provider publishes |
|---|---|
| Products | Starter Capital ("Up to £50,000/ advance"), Pay with Liberis ("Up to £10,000/ purchase"), Working Capital ("Up to £1m/ advance"), Flex Capital ("Up to £2m/ limit") and Investment Capital (custom). |
| Pricing | Representative APR "41.9%": loan "£25,000", 12-month term, fixed fee "£6,000", total repayable "£31,000", interest "0%". |
| Eligibility | Revenue thresholds by product: "from £0/ month", "from £500/ month", "from £5,000/ month" and "from £40,000/ month"; representative example for UK Limited Companies; "15 markets" not named. |
| Speed and repayment | Working Capital: "Fastest time to funds (< 24 hours)"; "Paid with % of future revenue"; minimum monthly amount "of up to 3% of the total amount owed". |
| Regulatory status | "Liberis is not authorised or regulated by the Financial Conduct Authority"; "Business Cash Advance is a form of receivables finance not a loan." |
| Register entry | "Liberis Limited (Firm Reference Number: 902157) is a registered EMD agent of Modulr FS Limited"; US payment services by "Airwallex US, LLC (NMLS #1928093)". |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: liberis.com/…, liberis.com/compare-products.
A UK provider of embedded business funding for partners' merchants, with several finance products, a sandbox and a launch in days across 15 countries. It publishes its partners' licence numbers and states its cash advances are not FCA regulated. It publishes no prices or security certificates.
| Fact | What the provider publishes |
|---|---|
| Products | Starter Capital, Pay with Liberis, Working Capital and Flex Capital; "Liberis' Business Cash Advance is a form of receivables finance not a loan". |
| Reach and launch | "Offer multiple products and a word-class customer experience from a single integration. Go live in days, fund customers in seconds and reach 15 countries." |
| Integration | API documentation and sandbox linked from the site. |
| Regulatory standing | "Liberis is not authorised or regulated by the Financial Conduct Authority" for cash advances; "Liberis Limited (Firm Reference Number: 902157) is a registered EMD agent of Modulr FS Limited" (FCA FRN 900573); US payments by Airwallex US, LLC "(NMLS #1928093)". |
| Scale | "Over 40 partners around the globe"; small businesses "backed ... with £1bn". |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: liberis.com.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Revenue-Based and Working Capital Finance Index. 0 means not offered or not published. How it is scored
Each criterion is scored 0 to 5 against the best published offer in the Embedded Finance and Insurance Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Clearco | 3.4 | 1 of 12 | US online brands with over $100,000 monthly revenue wanting clear borrower terms |
| iwoca | 3.1 | 2 of 12 | UK limited companies wanting a representative APR and money within hours |
| Bluevine | 3.0 | 3 of 12 | US companies with 12 months' trading wanting a line of credit next to a business account |
| Wayflyer | 2.6 | 5 of 12 | Online and retail brands in 11 countries wanting a single fixed fee |
| Stripe Capital | 2.5 | 6 of 12 | Businesses already processing payments on Stripe in six countries |
| Lighter Capital | 2.2 | 7 of 12 | Software and technology firms in the US, Canada and Australia with $200,000 or more recurring revenue |
| Founderpath | 2.1 | 8 of 12 | Software firms with $1m to $3m recurring revenue wanting money within a day |
| Funding Societies | 1.9 | 9 of 12 | Small firms in Singapore and South East Asia wanting a range of unsecured loans |
| Capchase | 1.9 | 10 of 12 | Software and subscription firms wanting a revolving limit tied to recurring revenue |
| Fundbox | 1.4 | 11 of 12 | Platforms and small businesses in four countries wanting the widest product range |
| Shopify Capital | 1.1 | 12 of 12 | Shopify merchants in nine countries |
Full Revenue-Based and Working Capital Finance Index ranking
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Qover | 4.2 | 1 of 14 | Firms selling cover across Europe and the UK |
| Cover Genius | 3.6 | 2 of 14 | Global retailers, airlines and marketplaces selling cover in many countries |
| Weavr | 3.6 | 3 of 14 | UK and EU software firms adding accounts and cards at a published price |
| Unit | 3.0 | 4 of 14 | US software firms adding accounts, cards and credit |
| Swan | 2.8 | 5 of 14 | European software firms wanting accounts and cards under their own brand |
| Solaris | 2.7 | 6 of 14 | European brands wanting accounts, cards and consumer lending under a bank licence |
| bolttech | 2.6 | 7 of 14 | Telecoms, retailers and banks selling device and travel cover in many markets |
| YouLend | 2.5 | 8 of 14 | Marketplaces and payment firms offering merchant finance quickly |
| Igloo | 2.4 | 10 of 14 | Ecommerce, telecoms and finance firms selling cover in Southeast Asia |
| Treasury Prime | 2.1 | 11 of 14 | US fintechs wanting a choice of sponsor banks |
| Synctera | 2.1 | 12 of 14 | US and Canadian fintechs launching accounts and cards with a sponsor bank |
| Boost Insurance | 2.0 | 13 of 14 | US insurtechs and platforms launching their own branded programmes |
| Railsr | 1.8 | 14 of 14 | Brands testing card and wallet products through staged sandboxes |
Side by side on every criterion, fact and award.
Tell us what you need and where you operate.