Liberis
“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.