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Liberis Review

Liberis is one of the UK's longest-established revenue-based finance providers, founded in 2007 and specialising in merchant cash advances and embedded finance for small businesses. Repayments are collected automatically as a fixed percentage of the business's daily card sales, aligning debt service with actual revenue. Liberis operates primarily as an embedded finance partner, integrating its lending capability into platforms such as Barclaycard, Worldpay, and Lloyds Cardnet — meaning many businesses receive pre-qualified offers directly from their payment processor.

Written by the Lendus editorial team. Last updated: April 2026.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Amount

£1k – £500k

Rates

1.08 – 1.5

factor rate (not APR); total repayable is 1.08x–1.5x the advance amount; no fixed term

Speed

Decision typically within 24 hours; funds often within 1–3 business days

Trustpilot

4.6/5

2,400 reviews

What is Liberis?

Liberis (Liberis Ltd) is a UK-based business finance provider founded in 2007 and headquartered in London. Liberis is one of the UK's longest-established revenue-based finance providers, founded in 2007 and specialising in merchant cash advances and embedded finance for small businesses. Repayments are collected automatically as a fixed percentage of the business's daily card sales, aligning debt service with actual revenue. Liberis operates primarily as an embedded finance partner, integrating its lending capability into platforms such as Barclaycard, Worldpay, and Lloyds Cardnet — meaning many businesses receive pre-qualified offers directly from their payment processor. They have lent £1 billion+ to date, helping 30,000+ UK businesses.

Founded 2007 London Authorised and regulated by the Financial Conduct Authority (FRN: 738184)

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Products offered

Merchant Cash Advance Revenue-Based Finance

Rates and costs

Rate range
1.08 – 1.5 (factor rate (not APR); total repayable is 1.08x–1.5x the advance amount; no fixed term)
Representative APR
Not applicable — revenue-based finance is priced using a factor rate; representative factor rate approximately 1.18
Amount range
£1,000 – £500,000
Approval speed
Decision typically within 24 hours; funds often within 1–3 business days

Representative example

Borrow £20,000 over Typically 6–10 months depending on card sales volume. Total repayable: £23,600. Cost of credit: £3,600. Your rate depends on your circumstances.

Eligibility requirements

Minimum trading history
6+ months of card payment history
Minimum turnover
£5,000 per month in card sales
Credit requirements
Liberis focuses on card payment revenue rather than credit score, making it accessible to businesses with imperfect credit histories. A basic credit check is performed, but the primary underwriting criterion is the consistency and volume of the business's card sales. Businesses with active insolvency proceedings or very recent business registration (under 6 months) are the main exclusions.

How to apply

1

Check eligibility through Lendus — answer a few questions about your business and funding needs (2 minutes)

2

We compare Liberis against 200+ other lenders to find the best match for your situation

3

Review your matched options — see rates, terms, and eligibility from multiple providers including Liberis

4

Choose the best offer and complete the application with your matched lender directly

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Pros and cons

Pros

  • One of the UK's most experienced revenue-based finance providers — operating since 2007 with a strong track record
  • Embedded in major payment platforms (Barclaycard, Worldpay) — many businesses receive pre-qualified offers with no cold application
  • Flexible repayments that automatically rise and fall with card revenue — no risk of missing a fixed monthly payment
  • Accessible to businesses with imperfect credit — revenue performance is the primary qualification
  • No fixed end date — the advance is repaid faster in busy months and more slowly in quiet periods

Cons

  • Factor rate pricing makes it difficult to compare cost directly with APR-based products — can be expensive over longer repayment periods
  • Only available to businesses with card payment terminals — not suitable for invoice-based or cash-only businesses
  • Smaller business user base compared to YouLend — fewer independent online reviews available
  • Unlike a revolving credit line, each merchant cash advance is a separate agreement — reapplication required for additional funding
  • No fixed repayment end date can make financial planning less predictable

Is Liberis right for you?

Best for

Retail, hospitality, food and beverage, and service businesses with consistent card payment volumes that want flexible working capital without fixed monthly obligations. Particularly well suited to businesses that are already customers of Barclaycard, Worldpay, or Lloyds Cardnet, as pre-qualified offers provide a frictionless route to funding.

Not ideal for

B2B businesses that receive payments by invoice or bank transfer, businesses without card payment terminals, professional services firms, or businesses that want predictable fixed monthly repayments and a defined loan end date. Also not ideal for businesses seeking the absolute lowest cost of borrowing.

Liberis alternatives

If Liberis isn't the right fit, consider these alternatives:

YouLend Capify iwoca

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Frequently asked questions about Liberis

Is Liberis legit?
Yes, Liberis is a fully legitimate and FCA-regulated UK lender. It is authorised and regulated by the Financial Conduct Authority (FRN: 738184) and registered in England and Wales (Companies House: 06337562). Founded in 2007, Liberis is one of the longest-established merchant cash advance providers in the UK and has provided over £1 billion in funding to more than 30,000 businesses. It holds a Trustpilot score of 4.6 from over 2,400 reviews.
What are Liberis interest rates?
Liberis does not charge interest in the traditional sense. Instead, it uses a factor rate — typically between 1.08 and 1.5 — which means you agree upfront to repay a fixed total amount. For example, a factor rate of 1.18 on a £15,000 advance means you repay £17,700 in total, regardless of how quickly you repay. There are no monthly interest charges, no compounding, and no hidden fees — the total cost of the advance is fixed from the outset.
Can I get Liberis with bad credit?
Liberis is considerably more accessible than traditional lenders to businesses with imperfect credit, because its underwriting is based primarily on the volume and consistency of your card sales rather than your credit score. Minor adverse credit events — historic CCJs, missed payments, or low personal credit scores — are regularly overlooked provided you have strong card revenue. The main disqualifiers are active insolvency, very recent business registration (under 6 months), or very low card sales volumes.
How much can I borrow from Liberis?
Liberis offers advances from £1,000 up to £500,000. The size of your advance is directly linked to your average monthly card sales — you can typically access between 50% and 150% of your average monthly card revenue. For example, a business with average monthly card sales of £30,000 might be offered between £15,000 and £45,000. Exact offers are generated based on your card payment data.
Is Liberis FCA regulated?
Yes. Liberis Ltd is authorised and regulated by the Financial Conduct Authority under FRN 738184. FCA regulation requires Liberis to treat customers fairly, disclose the cost of its products clearly, and follow responsible lending practices. Liberis's embedded finance partnerships with regulated entities such as Barclaycard and Worldpay are also subject to FCA oversight.
How long does Liberis take to approve?
Liberis typically provides a funding decision within 24 hours of receiving a complete application. For businesses accessing Liberis through a partner platform such as Barclaycard or Worldpay, pre-qualified offers are often already available in the merchant dashboard, reducing the application process to minutes. Once accepted, funds are usually transferred within 1–3 business days.
Can I repay Liberis early?
You can repay a Liberis advance early, but unlike a loan with daily interest, paying early does not reduce the total amount owed — because Liberis uses a fixed factor rate, the total repayable amount is set from the start regardless of repayment speed. The benefit of paying early is clearing the obligation sooner and freeing up your card revenue, rather than saving money on the cost of finance.
Liberis vs YouLend — which is better?
Both Liberis and YouLend are reputable UK revenue-based finance providers with similar products. Liberis has a longer track record (founded 2007 versus YouLend's 2014), while YouLend has stronger marketplace partnerships with eBay, Just Eat, and Shopify, making it more accessible for e-commerce and food delivery businesses on those platforms. Liberis is deeply embedded in traditional card payment platforms (Barclaycard, Worldpay, Lloyds), making it more accessible for bricks-and-mortar retailers and hospitality businesses. The best choice depends on which payment platform your business uses — compare both offers to find the lowest factor rate.

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