Short Term Finance Designed For Businesses

Short term loans are ideal for businesses in need of an injection of cash, who don’t want to be paying off debt for years to come. Maybe you’re playing with the idea of a Business Credit Card, which can lead to security and credit issues later down the track. Or perhaps you’ve considered taking out a bank loan, where you’ll be subject to long turnaround times and may be required to provide collateral as security. 

Liberis, who are supported by the UK Government via the British Business Bank, offer an alternative solution that is readily accessible to all businesses with a chip and pin machine who take £2.5K or more in card takings a month. You can Get A Quote in 60 seconds, apply in under 5 minutes and receive a decision in just 24 hours. And the funding will be with you in just a few days - it really is that simple! 

A Business Cash Advance is a short term business loan alternative designed to suit SMEs. We advance you the funds, and then you repay us based on a fixed percentage of your customer card takings. You only repay as you earn, so if you’re having a rough month you’ll pay us back less, and if you’re having a great month, you’ll be able to pay off your advance in even shorter time! 

Why A Business Cash Advance? 

At Liberis we value our customers and are committed to Funding Responsibly. You can count on us to be transparent every step of the way, making sure your time is spent thinking about your business and not bending over backwards filling in forms, writing business plans and consulting with solicitors. None of this is needed with Liberis because of the way a Business Cash Advance Works

The benefits of a Business Cash Advance for short-term funding include that: 

  • There is one fixed cost, agreed upon upfront
  • It’s unsecured, meaning that your home won’t ever be at risk
  • Payback is seamless and automatic, all in line with your cashflow
  • 70% of applications are approved
  • The application process is simple and hassle-free
  • Finance available between £2.5K - £300K
  • There are no hidden fees, penalties or additional costs. Ever.

Calculate Your Loan Term & Fixed Repayment Amount

With our Business Finance Calculator, you can see how long it will take you to repay us based on your industry, monthly card takings and how much you’re looking to be advanced. 


The Liberis Cash Advance - designed to help UK SMEs
  • Apply in minutes for £2,500-£300,000 and if successful see funds within as little as 24 hours
  • You pay back only when you earn – no fixed monthly payments
  • You keep 100% of your cash income
  • One clear cost, no APR
  • No fees, hidden charges or penalties. Ever
Apply in minutes

You can apply in a matter of minutes, and we can make a decision on the phone for you there and then.

  • One simple cost (no APR)
  • You need a credit/debit card terminal
  • You keep 100% of cash earnings
Get a quote
See why more and more UK businesses are switching to Liberis as a flexible alternative to the bank
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How it works

Backed by the UK Government

Founding member
The Association of Alternative Business Finance
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Registered in England and Wales No: 5654231. Address: One Hammersmith Broadway, London W6 9DL
Liberis is a responsible financial provider. Liberis does not offer 'short-term loans'. The minimum expected duration of a Business Cash Advance is 120 days / 4 months and typical expected durations are 6-12 months. These business financing products are not consumer loans.