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Liberis

Provider
Lending

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 21 companies across 1 category.

liberis.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗
CategoriesLending
Rank#7 of 259 in Lending
Buyers21 companies
HeadquartersLondon, United Kingdom
Founded2007
Raised$413.2M

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Founders & story · from Liberis’s own dossier

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.

Latest round: Dec 6, 2023
Recent developments
  • 2023-12Liberis raised its latest funding round (8th round per Crunchbase). source ↗
  • 2025-10Liberis published blog post on 'Pay with Liberis' B2B BNPL product for partner platforms, highlighting checkout-embedded repayment via revenue share. source ↗
  • 2025-04Liberis security page updated (ISO 27001 certified infrastructure), last updated April 11, 2025. source ↗
  • 2023-01-01Secured €30 million in debt funding for European expansion source ↗
Full dossier: Liberis’s own stack, layer by layer →
In the press
embeddedfinancereview.com ↗
Coverage of Liberis sourced from Embedded Finance Review — a content partner for this report. All articles are © their original authors; click any card to open the source.
◇ article2026-07-01
Qred Bank Buys Liberis & 10 More June Stories
bunq, Qred, SAS, Circle K, myPOS and more: June's embedded finance deals across banking-as-a-service, embedded lending and card programmes.
Source · Embedded Finance Review ↗
◇ article2026-06-23
Why Qred bought Liberis, and how finmid cracked Italy for myPOS
Qred buys into embedded lending with Liberis, and myPOS launches finmid lending for 90,000 merchants in Italy. Plus Adyen, Embat and Whistle.
Source · Embedded Finance Review ↗
◇ article2026-06-19
Swedish Direct Lender Qred Bank Buys Into Embedded Lending with Liberis
Swedish direct lender Qred Bank buys into embedded lending through Liberis, backed by Nordic Capital, joining a deposit-funded bank with embedded reach.
Source · Embedded Finance Review ↗
◇ article2026-03-02
Dojo and Liberis Launch Embedded Lending for 150,000 UK Merchants
Dojo embeds working capital into merchant onboarding via Liberis. Two UK partnerships in two weeks signal Liberis is back.
Source · Embedded Finance Review ↗
◇ article2026-02-16
Deliveroo Launches Merchant Funding in the UK with Liberis
Deliveroo partners with Liberis to launch merchant funding for UK restaurants. Every major food delivery platform now offers embedded lending.
Source · Embedded Finance Review ↗
Who uses Liberis
21 companies disclose Liberis in their stack
Ebay transactionGDSDeliverooShop CircleLady Suburbia LLCElavonFIS BrasilPayfactoNetsFormanceMyposLloyds+9 more
Buyer mix · 21 of 21 classified
Infrastructure / Payments · 4Fintech / SMB banking · 3Bank / National · 1E-commerce / Retail · 1Fintech / Payments · 1Horizontal SaaS / E-commerce · 1Hospitality / Food & Beverage · 1Infrastructure / Ledger · 1
UK · 9EU · 7US · 4Canada · 1
What the disclosures say
Ebay transaction
“eBay help page states: 'eBay works with financing partners iBusiness Funding and Liberis to provide eligible eBay sellers with financing.' Press release on ebayinc.com confirms Liberis partnership for Business Cash Advance (revenue-based).”
Deliveroo
“Deliveroo's own newsroom (deliveroo.co.uk/more/news-articles/deliveroo-capital-launch) announces the partnership with Liberis to launch Deliveroo Capital in February 2026.”
Shop Circle
“Liberis newsroom (April 2024) announces Shop Circle Capital, powered by Liberis, launched in the UK and US; Shop Circle's own blog describes Shop Circle Capital as revenue-based funding.”
Lady Suburbia LLC
“Liberis publicly lists Lady Suburbia LLC as a customer at https://www.liberis.com/insights/lady-suburbia. The case study explicitly states: 'Liberis funding through eBay provided flexible capital tied directly to her sales.' This is a revenue-based advance delivered via eBay's embedded lending program powered by Liberi…”
View source · liberis.com ↗
Elavon
“americanbanker.com reports Elavon launched Quick Capital as a private-label deal with Liberis in July 2025 for the US, with Liberis publicly listing Elavon as a customer. businesswire.com confirms Canadian expansion in March 2026. elavon.co.uk/resource-center describes UK Liberis business finance. cloud.na.elavon.com/i…”
FIS Brasil
“FIS announced Working Capital solution powered by Liberis in Jan 2020 for U.S.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Liberis? Claim this profile above to unlock your own full list.
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What Liberis runs on · from its own dossier
The third-party providers Liberis itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Liberis.
BaaS
Modulr
Ledger
Formance
FX / Payouts
Airwallex
Open Banking
TrueLayerPlaid
Full dossier with evidence for each layer →
Alternatives to Liberis

Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Affirm64 buyers →klarna54 buyers →YouLend45 buyers →Mambu36 buyers →Stripe Capital33 buyers →Wisetack27 buyers →finmid17 buyers →Afterpay16 buyers →
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Ranked #7 of 259 in Lending — Embedded Finance Index 2026
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Liberis — frequently asked

Which companies use Liberis?

21 companies disclose Liberis in their stack in the Embedded Finance Index 2026, including Ebay transaction, GDS, Deliveroo, Shop Circle, Lady Suburbia LLC, Elavon, FIS Brasil, Payfacto, Nets, Formance and 2 others.

What does Liberis do?

Liberis is an embedded-finance provider in Lending. It ranks #7 of 259 Lending providers by disclosed buyers.

What are the alternatives to Liberis?

The most-disclosed Lending alternatives to Liberis are Affirm (64 buyers), klarna (54 buyers), YouLend (45 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).

Where is Liberis headquartered?

Liberis is founded in 2007 and headquartered in London, United Kingdom.

How much funding has Liberis raised?

Liberis has raised $413.2M in total.

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