Flex Capital

Always-on credit, for flexible funding on tap

Works just like a Line of Credit, small businesses can access funds as often as they need, from their personalised available capital.

Plus, they only pay for what they use. No surprises, just flexibility.

How Flex Capital works for you

  • 1

    Boosts engagement

    Flex Capital customers are active users - taking an average of 3 advances over 4 months.

  • 2

    Earns loyalty

    Available Capital replenishes with every payment made. Businesses are rewarded as they grow.

  • 3

    Drives growth

    High approval rates, frequent replenishment and offers up to $2M keep customers thriving.

  • Perfect for

    Seizing opportunities

    1 in 4 businesses are forced to pass on growth opportunities.

    Flex Capital serves SMBs with fluctuating cash flow needs - like retailers meeting inventory demands for new clients.

    They can apply for $5k–$2m with a 4 click application.

  • Perfect for

    Seizing opportunities

  • Perfect for

    Seizing opportunities

  • Constant access to capital, no commitment

    • Offers between $500 - $2m
    • 4 months trading history
    • One fixed fee paid on each advance

  • Offers synced to business performance

    We evaluate performance constantly, so businesses get the maximum funding without being overstretched.

  • Beta

    Manage spending with connected cards

    Business customers can access available capital on the go. They spend within limits, you earn loyalty with rewards.

Get started

Choose from three integration options and deliver an exceptional user experience that customers recognise as an extension of your brand.

1

Core

Hosted

Fastest to market

Plug in our best in class CX, no development needed.

  • No engineering investment
  • Seamless, co-branded experience
  • Launch within a week
2

Create

Embedded

Maximum control

You own the UI, we power the finance.

  • Customers stay in your platform
  • Liberis owns eligibility and risk
  • API-driven for deep integration
3

Connect

Combined

Best of both, zero-friction

Connect customer data to unlock embedded benefits, without the build.

  • Frictionless pre-filled applications
  • Liberis build the front-end
  • Less engineering investment

Finance without friction

The funding experience becomes an extension of your product offering.

Styles and themes designed for accessibility, with your brand at the forefront.

Designed for

Opportunity seekers and cash flow sustainers

Flex Capital helps businesses take on sudden opportunities, like new clients or market trends. It’s also perfect for meeting unexpected payments and keeping cash flow smooth.

  • "We've been able to grow our business with the help of Liberis. Their customer service is fantastic and I know they will do whatever they can for our business"

    Sara, Safety Providers

    Worldpay

  • "The funding was available quick and ready to use. If you need their help to grow or buy more inventory, they're the best choice in my opinion."

    Eliseo, Xan San Solutions

    eBay

  • "From a new start up where the beginning to get your foot in the door was difficult, the finance was critical for me and a very easy and quick process"

    Thomas, The Ford Inn

    Clover

  • "We've been able to grow our business with the help of Liberis. Their customer service is fantastic and I know they will do whatever they can for our business"

    Sara, Safety Providers

    Worldpay

  • "The funding was available quick and ready to use. If you need their help to grow or buy more inventory, they're the best choice in my opinion."

    Eliseo, Xan San Solutions

    eBay

  • "From a new start up where the beginning to get your foot in the door was difficult, the finance was critical for me and a very easy and quick process"

    Thomas, The Ford Inn

    Clover

  • "We've been able to grow our business with the help of Liberis. Their customer service is fantastic and I know they will do whatever they can for our business"

    Sara, Safety Providers

    Worldpay

  • "The funding was available quick and ready to use. If you need their help to grow or buy more inventory, they're the best choice in my opinion."

    Eliseo, Xan San Solutions

    eBay

  • "From a new start up where the beginning to get your foot in the door was difficult, the finance was critical for me and a very easy and quick process"

    Thomas, The Ford Inn

    Clover

FAQs

  • How does the Flexible Cash Advance operate?

  • How are payments structured?

  • Can the advance be paid early?

  • Are there any fees involved?

  • Does applying or using the advance impact credit scores?

  • What are the eligibility criteria?

  • What should be communicated to the provider?

Talk to us

Find out how Flex Capital can support your small business customers