British Business Bank programme: Investment Programme and our other commercial investments

Liberis was founded in 2007, to fill a gap in the way small businesses were funded. The business focuses on three core principles: a simple product, responsibly delivered, by specialists who understand our customers. Liberis offers cash advances of between £2,500 and £300,000, to businesses with a ‘card machine’, and monthly card takings of at least £2,500.

Responsible financing is not just a line on Liberis’ Customer Charter but a fundamental principle that lies at the heart of the product and customer offer. A Business Cash Advance has no fixed term and there are no charges if the advance takes longer to pay off than expected. In fact there are no unexpected penalties, fees or charges, ever. Liberis’ in-house experts work with customers to make sure a Business Cash Advance is right for them and that payments are affordable.

Liberis understands small businesses and supports them throughout their growth cycle. Over 60% of the Business Cash Advances granted in 2014 were renewed, as businesses scaled up. Furthermore, the business has a 99% rating on Feefo: testament to the great service that Liberis provides.

Many companies have recognised that a Business Cash Advance provides a sound solution – particularly for businesses where income fluctuates on a seasonal basis. 87% of Liberis’ lending goes to their specialist sectors: hospitality, beauty, automotive and convenience store sectors. Small companies in these sectors are traditionally poorly served by banks, with around 50% of loan applications turned down by traditional lenders according to figures from the Government’s SME finance consultation (December 2014).

Liberis customer case study: Lynette MacArthur, owner of the award winning florist shop Petals of Oban, said “Some days we can put £1,000 through the card machine and on other days it can be £35.00, but the payback mirrors this. There’s no pressure at all. It really is the perfect funding for us.”

Everything you need to know about Liberis in 60 seconds:

You can find out more about companies that Liberis finances in the videos below

Thwaites Garage

Clayton & Company Hairdressing

Featured case studies