Where is Liberis headquartered?

Liberis is headquartered in London, United Kingdom (Headquarters). The company has a team of 250 people.

What does Liberis do?

Liberis operates in the AI in Fintech sector. A global embedded finance platform that provides small businesses with accessible, flexible, and responsible funding through partner platforms. Offers fast, flexible, and hyper-personalized financing to SMEs seamlessly integrated into the platforms they use daily, enabling partners to increase customer engagement and revenue.

When was Liberis founded?

Liberis was founded in 2007. It is based in London, United Kingdom (Headquarters).

Who is the CEO of Liberis?

Rob Fairfield is the CEO of Liberis. The company was founded in 2007.

Where is Liberis located?

Liberis is headquartered in London, United Kingdom (Headquarters).

What products does Liberis offer?

Liberis's key products include: ["Business Cash Advance","Revenue-Based Financing","Flexible Cash Advance"].

What funding stage is Liberis at?

Liberis is currently at the Scaling stage.

How many employees does Liberis have?

Liberis has approximately 250 employees.

Liberis

Category: AI in Fintech

A global embedded finance platform that provides small businesses with accessible, flexible, and responsible funding through partner platforms. Liberis was founded in 2007. The company is led by Rob Fairfield. Based in London, United Kingdom (Headquarters). Team size: 250. Total funding raised: $700M+. Latest round: Debt Financing. Key investors include ["Blenheim Chalcot","FTV Capital","Barclays","British Business Investments","BCI Finance"].

Founded: 2007
Headquarters: London, United Kingdom (Headquarters)
Team size: 250
Total funding: $700M+

Value proposition

Offers fast, flexible, and hyper-personalized financing to SMEs seamlessly integrated into the platforms they use daily, enabling partners to increase customer engagement and revenue.

Products and solutions

["Business Cash Advance","Revenue-Based Financing","Flexible Cash Advance"]

Unique value

Their embedded finance model (B2B2C), which integrates funding solutions directly into partner platforms via a single API. They leverage over 17 years of transaction data and AI to offer personalized, pre-approved financing, making the process seamless for the end-user.

Target customer

Partners (SaaS platforms, payment processors, e-commerce marketplaces) and their end-customers (Small and Medium-sized Enterprises - SMEs).

Industries served

["E-commerce","Retail","Financial Services","SaaS"]

Technology advantage

A scalable, API-driven platform that enables rapid deployment of financial products for partners. Their data-driven underwriting allows for fast, automated risk assessment and instant funding decisions, providing a significant advantage over traditional lending processes.

How they differentiate

Liberis differentiates itself through its embedded finance model, providing a white-labeled platform for partners to offer financing to their own SME customers. They focus on revenue-based financing, where repayments are a small percentage of the customer's card sales. Their platform uses AI for underwriting, enabling fast and fair funding decisions.

Main competitors

["YouLend","Capify","iwoca"]

Key partnerships

["Google","eBay","Worldpay from FIS","Barclaycard","Teya","Sezzle","Nexi","Elavon","Vagaro","Clover"]

Notable customers

["Google","Barclaycard","Worldpay from FIS","Klarna","Nexi","Elavon","eBay","Vagaro","Clover"]

Major milestones

["Secured a $112M debt financing round in December 2023 to fuel expansion.","Launched a partnership with Google to provide financing to small businesses within Google's ecosystem.","Expanded its global footprint with entries into Canada, Germany, and Poland.","Reached over $3 billion in total funding provided to small and medium-sized enterprises.","Shifted to a partnership-only strategy, focusing on embedded finance solutions.","Appointed Rob Fairfield as CEO effective August 2025, with Rob Straathof transitioning to Board Advisor.","Launched Quick Capital partnership with Elavon in the US (Aug 2025), expanding to Canada (Mar 2026).","Expanded to 48 strategic partners across 15 countries, with 1.2M+ small businesses having platform access."]

Growth metrics

Liberis has provided over $3 billion in financing to more than 50,000 small businesses globally, with over 1.2 million small businesses having access to its platform through 48 strategic partners across 15 countries.

Market positioning

Liberis positions itself as a global leader in embedded business finance for small businesses. Instead of competing directly for end-customers, it partners with large companies (e.g., payment processors, SaaS platforms) to embed its financing solutions into their ecosystems, offering a seamless experience for SMEs.

Geographic focus

Global, with operations in 15 countries across the United Kingdom, United States, Europe, and Canada. The company has 48 strategic partners and continues to expand its embedded finance platform globally.

Patents and IP

No publicly available information on patents. Their competitive advantage likely lies in proprietary software, data models, and trade secrets.

About Rob Fairfield

Rob Fairfield served as Chief Operating Officer at Liberis since 2020. Prior to Liberis, he held leadership roles at UK online mortgage broker Trussle (VP Marketplace, 2016-2020), which was later acquired by Better.com.

Official website: https://www.liberis.com/