Liberis

Liberis is an embedded finance platform that places contextual, revenue-based funding inside the software and payment systems small businesses already use. Founded in 2007 and now a team of more than 260 people drawn from over 27 nationalities, the company builds its products in close collaboration with payment processors, marketplaces, vertical SaaS providers and banks - integrating through platform and API layers rather than standalone lending channels. Its technical work spans embedded finance, data-driven underwriting, merchant behaviour analytics and banking-as-a-service.

The engineering challenge is one of integration and judgement: connecting to partner ecosystems, reading the flow of a merchant's revenues, and delivering capital that arrives when it is useful rather than disruptive. Three products sit on that foundation - Revenue Finance, which lets small businesses repay as they earn; Flexi Advance, a flexible advance for businesses at varying stages of their lifecycle; and Grow Now Pay Later, which allows firms to invest in growth and pay over time.

The reach is substantial. Liberis has funded more than 50,000 small businesses, deploying upwards of $3 billion in capital globally, with offices across 15 markets and funding delivered worldwide. Its stated purpose is to reshape small business finance for good and to unleash the power of small businesses worldwide - a mission pursued through a partner-centric, co-creation approach and a stated emphasis on merchant success.