Liberis is a financial technology platform that helps small businesses get funding through partnerships. It provides accessible revenue finance to end customers via a network of partners, offering quick funds from £1,000 to £1,000,000 with flexible repayment terms that adapt to cash flow. The platform is modular and scalable, enabling partners to embed financing options into their own products or services, which drives customer loyalty and higher transaction volumes. Liberis differentiates itself by focusing on embedded finance and an expansive partner network (over 300 partners worldwide) to deliver personalized funding options rather than a single product. The goal is to make funding easier and more responsible for small businesses while giving partners a new revenue stream and growth accelerator.
Company Size
201-500
Company Stage
N/A
Total Funding
$593.3M
Headquarters
London, United Kingdom
Founded
2007
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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.
Hogan Lovells advises liberis and blenheim chalcot on acquisition of liberis by nordic capital. Press releases | 19 June 2026 Hogan Lovells has advised Liberis, a global embedded finance platform, and shareholders, including lead investor, Blenheim Chalcot, on Nordic Capital's agreement to acquire Liberis and combine it with Qred, creating a leading global platform for small and medium-sized business financing. The transaction is expected to complete later this year, subject to customary regulatory approvals and closing conditions. The Hogan Lovells team comprised John Connell, Head of UK M&A, M&A partner Anthony Doolittle, senior associates Andreas Demetriou and Ekaterina Nuzhdova, and trainee Katelyn Groenewald.
Nordic Capital today announces an agreement to acquire Liberis, a leading global embedded finance platform, and further invest in Qred, one of Europe's foremost digital small business banks. This brings two businesses together to create a leading global platform for small and medium sized business (SMB) financing.
Sweden's Qred and UK SME lender Liberis in £600m merger | Mark Kleinman blog. Wednesday, 17 June 2026 19:05 * Thames Water rescue in peril as government opposes 'weak' deal Cash-strapped Thames Water is again facing down the prospect of being placed in temporary public ownership after the government raised objections to a proposed £10bn rescue by its lenders. * Former Microsoft chief Barclay joins British fintech unicorn Zilch One of Britain's leading fintech unicorns will this week name Microsoft's former UK boss to its board as it continues to seek acquisition targets ahead of an eventual public listing. * More people cashing in full pension in 'worrying signal' for UK's retirement plans More people are cashing in their full pension in a "worrying signal" that Britons are not prepared for retirement, new data has shown. * Shares of Elon Musk's SpaceX soar past Amazon Shares of Elon Musk's SpaceX soared more than 14% on Tuesday, lifting its value higher than Amazon and briefly Microsoft just days after its debut. * Threat of social media ban jolted tech giants into action before it was even announced Roblox has revealed new safety measures, just as the government announces it will ban under-16s from social media and potentially some gaming platforms... like Roblox.
PayFacto and Liberis have launched Maitre'D Capital Cash Advance, an embedded funding solution for Canadian restaurant and hospitality operators. Built into the Maitre'D platform, the product provides revenue-based financing with automatic repayments calculated as a percentage of daily sales. The launch addresses a challenging financing environment for Canadian small businesses, with Statistics Canada reporting a 22% decline in total loan value and a 38% drop in individual loans between 2023 and 2024. Additionally, 40% of Canadian SMEs cite access to financing as a major growth barrier. The solution leverages transaction data from the Maitre'D platform to streamline assessments and eliminate traditional loan applications. It represents the first product under Maitre'D Capital, PayFacto's embedded finance initiative. The service is now available to eligible PayFacto merchants nationwide.