Liberis and Dojo offer SMBs faster capital access. By Waverly Drummond September 8, 2026 Liberis and Dojo have introduced Dojo Flex Funds, a new financing solution that provides UK small businesses with instant capital during onboarding. The collaboration directly tackles a major obstacle for small and medium-sized enterprises (SMEs): the prolonged waiting periods typical of traditional lending processes. The offering targets UK merchants generating at least £60,000 annually with a minimum of 12 months in operation. Unlike conventional loans, which demand extensive approval periods, Dojo Flex Funds delivers immediate, adaptable funding with a documented 90% approval success rate and favorable terms. Approval decisions rely on real-time transaction data, creating a smoother experience for businesses requiring rapid capital access. This initiative reflects a broader industry evolution toward embedded finance, where financial services become integral components of business tools. By eliminating traditional lending delays, the partnership establishes a new industry standard for efficiency. Dojo already supports over 150,000 UK businesses and processes 50 million unique consumer cards monthly, providing a robust foundation for scaling the new product. Traditional lenders typically demand full documentation and lengthy evaluations, creating friction for applicants. Dojo Flex Funds removes these obstacles, aligning with the growing expectation that financial services should integrate seamlessly into daily operations. The partnership also introduces Liberis' Starter Capital, a simplified funding option designed specifically for newer merchants, further expanding the product's reach. Access to capital frequently determines whether small businesses can expand or remain stagnant. The product's emphasis on instantaneous approvals and transaction-based assessments directly addresses the priorities of merchants who value efficiency over bureaucratic processes. However, sustaining high approval rates while managing risk will be essential to maintaining the model's effectiveness. Trang-Thu Tran, Chief Commercial Officer at Liberis, described the product as a major shift in how UK SMEs secure financing. "By providing funding from day one, not months down the line, we're removing traditional barriers to capital and supporting small businesses when they need it most," she stated. This approach particularly benefits merchants lacking collateral or established credit histories. Mike Winwood, General Manager of Funding at Dojo, emphasized the product's immediate impact potential. "With more than 150,000 UK businesses enabled by Dojo, we know how challenging access to capital to unlock further growth can be," he noted. The seamless integration into Dojo's onboarding process allows merchants to accelerate growth, improve cash flow management, and enhance customer experiences - key factors for businesses focused on expansion. The launch also reinforces Liberis's position as a leader in embedded finance solutions. By including Starter Capital as part of the offering, the company enhances its appeal to fintech partners seeking to boost customer acquisition and loyalty. The product's long-term viability will depend on its ability to maintain high approval rates while adapting to diverse merchant requirements. For UK SMEs, this partnership represents a meaningful advancement in capital accessibility. While widespread adoption will require strong execution and market demand, the core focus remains on delivering practical advantages - faster access, reduced entry barriers, and flexible terms, without guaranteeing risk-free outcomes. Businesses now have a new option to secure funding without the delays of conventional lending processes.

Dojo launches new intelligence platform to help hospitality businesses unlock growth. * Personal Finance * 15.06.2026 09:19 am Dojo, the leading payments technology provider, has launched Dojo Intelligence, an intelligence platform that turns card payments data into actionable commercial insight, helping hospitality and retail operators better understand customer behaviour, expand reach and drive growth. The launch comes as hospitality operators face growing pressure to make business decisions with limited customer insight. While e-commerce businesses have long had access to detailed customer analytics and attribution tools, many restaurants, pubs and bars still rely on fragmented datasets or loyalty schemes to understand how customers behave and what drives revenue. At the same time, customer-centric businesses are outperforming operationally-centric focused competitors by three times according to Dojo data, increasing pressure on operators to better understand and engage their customers. Dojo Intelligence is designed to close that gap by turning transaction data from Dojo's payments network into commercial insight. Drawing on anonymised spending insights from more than 49 million monthly customers across thousands of hospitality businesses, the platform helps businesses understand their customer pool, where they come from and how often they return, giving them a clearer view of what drives performance. Through the platform, businesses can track customer volumes, understand new and repeat customer visits, analyse catchment areas and benchmark performance against local competitors and wider UK market trends. Weekly reporting and real-time insights also help operators identify changes in customer behaviour early and assess the impact of marketing campaigns with greater accuracy. Unlike traditional analytics tools, which often rely on partial datasets from bookings, loyalty schemes or CRM systems, Dojo Intelligence captures all card transactions processed through Dojo terminals. The platform can be deployed in less than a day, and includes dashboards, automated summaries and support from Dojo's Insight Analysts and Data Scientists, without requiring dedicated in-house data teams. Jon Knott, General Manager of Data Products, Dojo, said: "Hospitality businesses have historically had very limited visibility of customer behaviour while online retailers can measure almost every interaction a customer has with their brand. Financial IT built Dojo Intelligence to level the playing field by giving merchants access to the kind of insight that has traditionally only been available in e-commerce - helping them understand what's driving performance and where opportunities for growth exist." Early pilot results have already shown measurable impact. One pizza restaurant used Dojo Intelligence to plan where to focus its digital advertising campaign and then measure its impact. The campaign brought in 347 additional customers, generating more than £12,000 in incremental sales. Other operators are using the platform to benchmark performance across multiple sites, identify high-value customer groups and improve the effectiveness of local marketing activity.