Liberis
London revenue-based business funding, merged with Swedish lender Qred
Quick Overview
| Company | Liberis Ltd |
|---|---|
| Category | Business Lending Platforms |
| Headquarters | London, United Kingdom |
| Founded | Not stated |
| EU Presence | Yes - United Kingdom (company number 05654231), plus German entities in Munich |
| Data Location | not stated on the pages we read |
| Open Source | No |
| GDPR Compliant | Yes |
| Self-Hosting | No |
| Main Features | Starter Capital, Pay with Liberis, Working Capital, Flex Capital, partner API and sandbox, merchant portal |
| Pricing | not shown on the pages we read; the site links a representative APR page for UK loans |
| Best For | Small businesses selling through a platform that already offers Liberis funding, and platforms that want to embed it |
| Replaces | BlueVine Line of Credit |
Detailed Review
Liberis Ltd is the UK provider named on the Liberis website, with address Scale Space Building, 58 Wood Lane, London, and company number 05654231. The German imprint names Liberis Debt Fund Management GmbH in Munich, registered with BaFin as an investment fund manager, and Liberis Debt Fund GmbH & Co. KG for loans in Germany.
The Liberis homepage states that its merger with Qred is complete and that the two are now one company. It describes embedded finance built with partner platforms, and it lists four products: Starter Capital, Pay with Liberis, Working Capital and Flex Capital.
How does Liberis fund small businesses?
Liberis states that its Business Cash Advance is a form of receivables finance, not a loan. The legal footer says that Liberis is not authorised or regulated by the FCA and that the Financial Ombudsman Service cannot consider complaints about it.
The footer also states that the customer is expected to operate so that Liberis receives a minimum monthly amount of up to 3% of the total owed.
Liberis for platforms and partners
Liberis states that its funding is co-created with partners and embedded in their ecosystems. The homepage claims 2 billion pounds in funding to small businesses worldwide and reach to 1.5 million SMBs in 15 global markets.
Liberis publishes API documentation and a sandbox for partners, and a Liberis Capital Platform page.
Liberis as a European alternative to BlueVine
Liberis Ltd contracts in London and offers funding mainly inside platforms, where BlueVine sells direct to US account holders. Liberis also lists US website terms, so it is not a UK-only provider.
The pack does not name the owners or investors of Liberis, so the fit under EP's ownership rule rests on the contracting entities named in its imprint.
Limitations to Consider
Liberis states that its cash advance is not a loan and not FCA regulated, which changes the protections a borrower has. The pages we read show no prices. US website terms exist, and owners are not named in the text we read. Compare Qred for a bank-licensed lender now in the same group.
Who Should Use Liberis
UK small businesses selling through a partner platform that offers Liberis funding, and platforms that want to add funding to their product.
Pros and Cons
Pros
- Company number and address published
- German fund entities named with BaFin registration
- Four named products with a partner API and sandbox
- Merger with Qred stated on the homepage
- Merchant portal and partner platform both listed
Cons
- Cash advance is not FCA regulated, per its own footer
- No prices in the text we read
- Owners not named in the text we read
- US website terms also exist
Alternatives to Liberis
Other European business lending platforms worth comparing before you decide:
See all European business lending platforms or compare them directly against BlueVine Line of Credit on our alternatives page.
Frequently Asked Questions
Partly. Liberis Ltd is a London company with German fund entities in Munich, but its cash advance is receivables finance sold mostly through platforms, not a direct credit line.
Liberis states in its footer that its Business Cash Advance is not a loan and that Liberis is not authorised or regulated by the FCA. Its German fund manager is registered with BaFin.
The Liberis homepage states that the merger with Qred is complete and the two are one company. Details of ownership are not in the pages we read.