Introductory funding for switchers new to platform

Low barrier finance offered to small businesses as they onboard or on day-one, access to further capital is then unlocked as their business transacts and grows. 

How starter capital works for you

  • 1

    Drive acquisition

    A powerful incentive for sales teams to drive switchers to your platform.

  • 2

    Enable high penetration

    98% eligibility and 90% approval rates drive significant uptake, and further capital offered after 8 weeks boosts LTV.

  • 3

    Growth from the start

    Instant access to capital supports SMBs to switch and grow from day one, reducing fail rates to keep your customers trading.

  • Perfect for

    An immediate path to growth

    Small businesses switching to a new payment platform often face operational complexity and cash flow disruption. 

    $500-$50k of Starter Capital can be offered to 98% of merchants as a switching incentive or as a welcome benefit.

  • Perfect for

    An immediate path to growth

  • Perfect for

    An immediate path to growth

  • Instant access to capital to drive day-one growth

    • Offers between $500-$50k
    • Open banking to assess offer size 
    • Paid as a % of future revenue
    • A single fixed fee (partner option to discount)

  • Customisable based on partner goals

    Product pricing and criteria can be tailored based on partner goals, like target customer base or acqusition strategy.

    For example, partners relying on sales teams can leverage Partner Hub - an interactive sales portal for end-to-end onboarding.

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

New to platform entrepreneurs looking to accelerate growth

Starter Capital is a unique opportunity to access funding when others say no, and is perfect for both early stage entrepreneurs or established growing businesses.

For opportunity seekers keen to grow on a new platform, or established businesses looking to reduce complexity and operate all financial services from a single provider.

  • "Each time I use them it is to upgrade some aspect of my business...financing is simple and fast with payback being taken as a percentage of card transactions."

    John, Bargainland

    Worldpay

  • "Working with Liberis helped me expand my eBay business and take advantage of an opportunity...Liked the ease of funding and repaying the funds with a daily percentage was easy to work with."

    Anon, Online retailer

    eBay

  • "Great product! Iv recieved cash advances before for a normal rate but the speed you get the funds is amazing"

    Kamel, Kensingtons HC

    Teya

  • "Each time I use them it is to upgrade some aspect of my business...financing is simple and fast with payback being taken as a percentage of card transactions."

    John, Bargainland

    Worldpay

  • "Working with Liberis helped me expand my eBay business and take advantage of an opportunity...Liked the ease of funding and repaying the funds with a daily percentage was easy to work with."

    Anon, Online retailer

    eBay

  • "Great product! Iv recieved cash advances before for a normal rate but the speed you get the funds is amazing"

    Kamel, Kensingtons HC

    Teya

  • "Each time I use them it is to upgrade some aspect of my business...financing is simple and fast with payback being taken as a percentage of card transactions."

    John, Bargainland

    Worldpay

  • "Working with Liberis helped me expand my eBay business and take advantage of an opportunity...Liked the ease of funding and repaying the funds with a daily percentage was easy to work with."

    Anon, Online retailer

    eBay

  • "Great product! Iv recieved cash advances before for a normal rate but the speed you get the funds is amazing"

    Kamel, Kensingtons HC

    Teya

FAQ's

  • How does Starter Capital work?

  • How are repayments made?

  • What is the cost structure?

  • Can the advance be paid early?

  • What are the eligibility requirements?

  • What happens if the business pauses or closes?

  • Will applying or using the product impact credit scores?

  • How is repayment progress tracked?

Talk to us

Find out how Working Capital can support your small business customers