“Can Liberis become the default embedded SMB lending infrastructure for payment platforms and marketplaces globally, by wrapping revenue-based repayment mechanics around any partner's transaction data?”
Liberis began as an SMB business cash advance lender and has evolved into a white-label embedded finance infrastructure provider for platforms and marketplaces. Its Liberis Capital Platform enables partners (payment processors, SaaS platforms, marketplaces) to embed a multi-product funding suite — from merchant cash advances to lines of credit and B2B BNPL — into their own product experiences via a single API integration. Revenue-based repayment via payment splitting (where a percentage of daily card revenue is automatically swept to Liberis) sits at the core of every product. The company operates as an EMD agent of Modulr in the UK, and uses Airwallex for US payment services, reflecting a BaaS-dependent regulatory model rather than a chartered bank approach.
Liberis discloses Modulr as its banking provider, according to the Embedded Finance Index 2026.
Liberis does not disclose a bank charter of its own; its banking services are provided through Modulr.
Liberis runs its ledger on Formance.
Liberis connects to bank accounts through TrueLayer and Plaid.
Liberis uses Airwallex for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 5 layers in Liberis's stack: Banking / BaaS (Modulr); Ledger (Formance); Lending (Working Capital (Merchant Cash Advance, $1k–$1m), Flex Capital (Line of Credit style, $5k–$2m), Starter Capital (introductory funding for new businesses), Investment Capital (Term Loans for strategic expansion) and 1 other); Open banking (TrueLayer and Plaid); FX & payouts (Airwallex).
Liberis is founded in 2007 and headquartered in London, United Kingdom.
Liberis has raised $413.2M in total (latest round: Dec 6, 2023).
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