Liberis
Revenue-based cash advance via eBay and partner platforms, $500 to $2,000,000. One fixed fee (~73% APR in our example), soft pull only, funds often in a day. Best for eBay sellers.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Company Verification
Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.
Best for: eBay sellers and merchants on Liberis partner platforms such as Elavon who have steady recent sales and want a soft-pull cash advance whose payments track daily sales.
Not for: Businesses that want a published price or the lowest cost; a bank line or SBA loan will usually cost less if you qualify. eBay sellers in New Mexico are excluded.
Lender List verdict: Liberis is an established embedded funder with fast payouts and repayment that slows when sales do, with no fee increase. Repaying quickly is expensive: a 1.2 factor cleared in about six months is roughly 73% APR.
Liberis at a glance
Liberis is a revenue-based funder that advances $500 to $2,000,000 to US sellers through partner platforms such as eBay.
| Liberis | |
|---|---|
| Lender type | Direct funder; revenue-based cash advance, not a loan |
| Founded | Funding businesses since 2007 |
| HQ | London, UK; US arm Liberis US Inc. in Atlanta, GA |
| Parent/owner | Liberis; CEO Rob Fairfield since Aug 2025 |
| Products | Business Cash Advance, Flexible Cash Advance |
| Amounts | $500 to $1,000,000 (Business Cash Advance); $5,000 to $2,000,000 (Flexible) |
| Cost (headline) | One fixed fee, not published; about 53% to 73% APR in our 1.2-factor example |
| Term | No fixed term; repaid from a share of sales |
| Funding speed | Same-day decisions possible; often funded within one working day |
| Status | Active (2026-10-26) |
What is Liberis?
Liberis is a London-based embedded finance company that has advanced more than $3 billion to over 70,000 small businesses since 2007. Rather than marketing to borrowers, it places offers inside partner platforms such as eBay, Worldpay, Clover, Vagaro and Elavon, across 15 markets.
Its US arm, Liberis US Inc., is in Atlanta. eBay added Liberis in June 2024; Elavon launched Liberis-powered "Quick Capital" in the US in 2025.
How the Liberis eBay cash advance works
Liberis buys a slice of your future sales for a fixed fee and collects it as a percentage of each day's gross sales, with no interest and no fixed end date.
- Business Cash Advance: a lump sum of $500 to $1,000,000, repaid from a pre-set share of daily gross sales.
- Flexible Cash Advance: $5,000 to $2,000,000 you can draw on for 12 months; each draw has its own fee, repaid from 20% of gross daily eBay sales (tax and shipping included).
- Minimum payment: eBay's US disclosures do not state one.
Who gets an offer
Liberis offers go to merchants on partner platforms; eBay requires $5,000 in eBay revenue over 12 months and a sale in each of the last three months.
The Flexible Cash Advance needs 12 months of trading, $500 in average monthly sales and no Liberis decline in the past three months. Larger offers may require bank statements or tax returns. Offers stay open 30 days, and repaying half your balance can unlock more funding.
Liberis rates and fees: what it really costs
Liberis charges one fixed fee per advance instead of interest; in our 1.2-factor example repaid in 6.2 to 8.6 months, that equals about 53% to 73% APR.
- Charged: one fixed fee per advance or draw
- Not charged: interest, origination or early-payback fees
- Not published: the fee range
Worked example: draw $25,000 at a 1.2 factor (the example rate used by United Capital Source and BusinessExpert) and you owe $30,000, a $5,000 fee. With $800 a day in gross eBay sales, 20% sends $160 a day to Liberis, so you finish in about 188 days (about 6.2 months) if you sell every day. That is roughly 73% APR; selling only on weekdays stretches payoff to about 8.6 months and the APR to roughly 53%. If one month's sales halve, payments drop to $80 a day and payoff moves out about 15 days, with no extra fee.
Liberis requirements
Liberis has no minimum credit score and runs only a soft pull; on eBay you need $5,000 in annual eBay revenue.
| Requirement | Liberis minimum |
|---|---|
| Personal credit score | No minimum; soft pull only |
| Time in business | Sales in each of the last 3 months (12 months for Flexible) |
| Annual revenue | $5,000 in eBay revenue over 12 months ($500/month average for Flexible) |
| Bank account / integrations | Account on a partner platform (eBay, Elavon, Clover etc.) |
| Credit check | Soft; no effect on your consumer score |
| Collateral / guarantee | Future sales are the security; Liberis does not publish a US personal guarantee policy |
Liberis underwrites mainly from your platform sales data.
Pros and cons
Liberis's best features are soft-pull approval and payments that track sales; its worst is an unpublished fee.
Pros
- No hard credit check and no minimum score
- Advances from $500 up to $2,000,000
- Payments shrink on slow days, with no stated minimum on eBay
- Fixed fee never grows if repayment stretches out
- Flexible advance charges only on what you draw
Cons
- No published price or fee range
- Fast repayment pushes the effective APR up (about 73% in our example)
- Early payoff does not lower the fee
- New Mexico sellers excluded on eBay
Liberis vs. PayPal Working Capital vs. Parafin
Liberis tops out at $2,000,000, versus $250,000 ($400,000 repeat) at PayPal Working Capital; Parafin does not publish a maximum on its own site.
| Liberis | PayPal Working Capital | Parafin | |
|---|---|---|---|
| Max amount | $1,000,000 (Business); $2,000,000 (Flexible) | $250,000 ($400,000 repeat) | Not published on parafin.com |
| Pricing | One fixed fee, not published | One fixed fee, not published | One fixed fee, not published |
| Min FICO | No minimum; soft pull | No personal credit check | No credit checks |
| Min time in business | Sales in last 3 months (12 months for Flexible) | 90-day PayPal account | Set by platform |
| Min annual revenue | $5,000 eBay revenue | $15,000 PayPal sales | Not published |
| Repayment | % of daily gross sales; 20% on Flexible | % of each PayPal sale; 90-day minimum | Fixed % of sales (cash advance) |
| Early payoff | No early-payback fee; fee not reduced | No prepayment fee | Fee owed in full, no discount |
PayPal Working Capital and Parafin figures are from their own sites, checked 2026-10-26.
Choose Liberis for soft-pull eBay funding with no stated minimum payment. Choose PayPal Working Capital if PayPal handles most sales. Choose Parafin if your platform offers it.
Liberis alternatives on Lender List
The closest Liberis alternatives are PayPal Working Capital and Parafin, plus platform-specific options.
- PayPal Working Capital — for PayPal merchants
- Parafin — embedded advances on Amazon and TikTok Shop (Stripe agreed to acquire it in Sep 2026)
- Shopify Capital — up to $2M for Shopify stores
- Square Loans — for Square sellers
- Stripe Capital — for Stripe processors
- Browse all platform-embedded capital on Lender List
Frequently asked questions about Liberis
Is Liberis Legit? Yes. Liberis has funded small businesses since 2007, reports more than $3 billion advanced to over 70,000 businesses, and is the named provider on eBay's and Elavon's funding programs. Liberis US Inc. is registered with Virginia regulators as a sales-based financing provider.
Is Liberis a Lender? Not in the usual sense. Liberis buys a share of your future card or marketplace sales for a fixed fee, a form of receivables finance, rather than lending money at interest. It is the direct funder, not a broker: platforms such as eBay and Elavon refer merchants, and Liberis US Inc. provides the cash.
What Funding Amounts Can Liberis Offer to Platform Merchants? On eBay, Liberis offers Business Cash Advances from $500 to $1 million and Flexible Cash Advances from $5,000 to $2 million, the latter repaid at 20% of gross sales. Eligibility rests on your eBay sales history, and larger amounts may need bank statements or tax returns. On other partner platforms, check the offer shown in your account.
What Do Customer Reviews Say About Liberis? Mostly positive: Liberis scores 4.7 out of 5 on Trustpilot across 1,695 reviews. That profile covers all its markets, not only the US, and says little about cost: Liberis publishes no fee range before you receive an offer.
How Long Does Liberis Take to Approve? Often the same day. Decisions can be same-day; Liberis reports 65% of Business Cash Advances (June 2024) and 75% of Flexible advances (January to May 2024) funded within one working day. Deposit timing depends on your bank, and funds may arrive the next business day.
What Is the Liberis Interest Rate? There is none. Liberis charges a single fixed fee per advance instead of interest and does not publish its range. Third-party reviewers use a 1.2 factor as an example, meaning $5,000 on $25,000; repaid in about six months, that equals roughly 73% APR.
Is Liberis a Loan or a Merchant Cash Advance? It is a merchant cash advance, not a loan. Liberis buys a share of your future sales for a fixed fee, so there is no interest, fixed term or set schedule; eBay's disclosures call it receivables finance repaid from a fixed percentage of daily gross sales.
What Happens If Sales Drop? Your payments drop with them. Liberis takes a fixed share of each day's sales, so a slow week means smaller remittances and the fee stays the same. eBay's US terms list no minimum payment, so a dip mainly lengthens repayment rather than adding cost.
Last verified 2026-10-26. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Best for: eBay sellers and merchants on Liberis partner platforms such as Elavon who have steady recent sales and want a soft-pull cash advance whose payments track daily sales.
Not for: Businesses that want a published price or the lowest cost; a bank line or SBA loan will usually cost less if you qualify. eBay sellers in New Mexico are excluded.
Lender List verdict: Liberis is an established embedded funder with fast payouts and repayment that slows when sales do, with no fee increase. Repaying quickly is expensive: a 1.2 factor cleared in about six months is roughly 73% APR.
Liberis at a glance
Liberis is a revenue-based funder that advances $500 to $2,000,000 to US sellers through partner platforms such as eBay.
| Liberis | |
|---|---|
| Lender type | Direct funder; revenue-based cash advance, not a loan |
| Founded | Funding businesses since 2007 |
| HQ | London, UK; US arm Liberis US Inc. in Atlanta, GA |
| Parent/owner | Liberis; CEO Rob Fairfield since Aug 2025 |
| Products | Business Cash Advance, Flexible Cash Advance |
| Amounts | $500 to $1,000,000 (Business Cash Advance); $5,000 to $2,000,000 (Flexible) |
| Cost (headline) | One fixed fee, not published; about 53% to 73% APR in our 1.2-factor example |
| Term | No fixed term; repaid from a share of sales |
| Funding speed | Same-day decisions possible; often funded within one working day |
| Status | Active (2026-10-26) |
What is Liberis?
Liberis is a London-based embedded finance company that has advanced more than $3 billion to over 70,000 small businesses since 2007. Rather than marketing to borrowers, it places offers inside partner platforms such as eBay, Worldpay, Clover, Vagaro and Elavon, across 15 markets.
Its US arm, Liberis US Inc., is in Atlanta. eBay added Liberis in June 2024; Elavon launched Liberis-powered "Quick Capital" in the US in 2025.
How the Liberis eBay cash advance works
Liberis buys a slice of your future sales for a fixed fee and collects it as a percentage of each day's gross sales, with no interest and no fixed end date.
- Business Cash Advance: a lump sum of $500 to $1,000,000, repaid from a pre-set share of daily gross sales.
- Flexible Cash Advance: $5,000 to $2,000,000 you can draw on for 12 months; each draw has its own fee, repaid from 20% of gross daily eBay sales (tax and shipping included).
- Minimum payment: eBay's US disclosures do not state one.
Who gets an offer
Liberis offers go to merchants on partner platforms; eBay requires $5,000 in eBay revenue over 12 months and a sale in each of the last three months.
The Flexible Cash Advance needs 12 months of trading, $500 in average monthly sales and no Liberis decline in the past three months. Larger offers may require bank statements or tax returns. Offers stay open 30 days, and repaying half your balance can unlock more funding.
Liberis rates and fees: what it really costs
Liberis charges one fixed fee per advance instead of interest; in our 1.2-factor example repaid in 6.2 to 8.6 months, that equals about 53% to 73% APR.
- Charged: one fixed fee per advance or draw
- Not charged: interest, origination or early-payback fees
- Not published: the fee range
Worked example: draw $25,000 at a 1.2 factor (the example rate used by United Capital Source and BusinessExpert) and you owe $30,000, a $5,000 fee. With $800 a day in gross eBay sales, 20% sends $160 a day to Liberis, so you finish in about 188 days (about 6.2 months) if you sell every day. That is roughly 73% APR; selling only on weekdays stretches payoff to about 8.6 months and the APR to roughly 53%. If one month's sales halve, payments drop to $80 a day and payoff moves out about 15 days, with no extra fee.
Liberis requirements
Liberis has no minimum credit score and runs only a soft pull; on eBay you need $5,000 in annual eBay revenue.
| Requirement | Liberis minimum |
|---|---|
| Personal credit score | No minimum; soft pull only |
| Time in business | Sales in each of the last 3 months (12 months for Flexible) |
| Annual revenue | $5,000 in eBay revenue over 12 months ($500/month average for Flexible) |
| Bank account / integrations | Account on a partner platform (eBay, Elavon, Clover etc.) |
| Credit check | Soft; no effect on your consumer score |
| Collateral / guarantee | Future sales are the security; Liberis does not publish a US personal guarantee policy |
Liberis underwrites mainly from your platform sales data.
Pros and cons
Liberis's best features are soft-pull approval and payments that track sales; its worst is an unpublished fee.
Pros
- No hard credit check and no minimum score
- Advances from $500 up to $2,000,000
- Payments shrink on slow days, with no stated minimum on eBay
- Fixed fee never grows if repayment stretches out
- Flexible advance charges only on what you draw
Cons
- No published price or fee range
- Fast repayment pushes the effective APR up (about 73% in our example)
- Early payoff does not lower the fee
- New Mexico sellers excluded on eBay
Liberis vs. PayPal Working Capital vs. Parafin
Liberis tops out at $2,000,000, versus $250,000 ($400,000 repeat) at PayPal Working Capital; Parafin does not publish a maximum on its own site.
| Liberis | PayPal Working Capital | Parafin | |
|---|---|---|---|
| Max amount | $1,000,000 (Business); $2,000,000 (Flexible) | $250,000 ($400,000 repeat) | Not published on parafin.com |
| Pricing | One fixed fee, not published | One fixed fee, not published | One fixed fee, not published |
| Min FICO | No minimum; soft pull | No personal credit check | No credit checks |
| Min time in business | Sales in last 3 months (12 months for Flexible) | 90-day PayPal account | Set by platform |
| Min annual revenue | $5,000 eBay revenue | $15,000 PayPal sales | Not published |
| Repayment | % of daily gross sales; 20% on Flexible | % of each PayPal sale; 90-day minimum | Fixed % of sales (cash advance) |
| Early payoff | No early-payback fee; fee not reduced | No prepayment fee | Fee owed in full, no discount |
PayPal Working Capital and Parafin figures are from their own sites, checked 2026-10-26.
Choose Liberis for soft-pull eBay funding with no stated minimum payment. Choose PayPal Working Capital if PayPal handles most sales. Choose Parafin if your platform offers it.
Liberis alternatives on Lender List
The closest Liberis alternatives are PayPal Working Capital and Parafin, plus platform-specific options.
- PayPal Working Capital — for PayPal merchants
- Parafin — embedded advances on Amazon and TikTok Shop (Stripe agreed to acquire it in Sep 2026)
- Shopify Capital — up to $2M for Shopify stores
- Square Loans — for Square sellers
- Stripe Capital — for Stripe processors
- Browse all platform-embedded capital on Lender List
Frequently asked questions about Liberis
Is Liberis Legit? Yes. Liberis has funded small businesses since 2007, reports more than $3 billion advanced to over 70,000 businesses, and is the named provider on eBay's and Elavon's funding programs. Liberis US Inc. is registered with Virginia regulators as a sales-based financing provider.
Is Liberis a Lender? Not in the usual sense. Liberis buys a share of your future card or marketplace sales for a fixed fee, a form of receivables finance, rather than lending money at interest. It is the direct funder, not a broker: platforms such as eBay and Elavon refer merchants, and Liberis US Inc. provides the cash.
What Funding Amounts Can Liberis Offer to Platform Merchants? On eBay, Liberis offers Business Cash Advances from $500 to $1 million and Flexible Cash Advances from $5,000 to $2 million, the latter repaid at 20% of gross sales. Eligibility rests on your eBay sales history, and larger amounts may need bank statements or tax returns. On other partner platforms, check the offer shown in your account.
What Do Customer Reviews Say About Liberis? Mostly positive: Liberis scores 4.7 out of 5 on Trustpilot across 1,695 reviews. That profile covers all its markets, not only the US, and says little about cost: Liberis publishes no fee range before you receive an offer.
How Long Does Liberis Take to Approve? Often the same day. Decisions can be same-day; Liberis reports 65% of Business Cash Advances (June 2024) and 75% of Flexible advances (January to May 2024) funded within one working day. Deposit timing depends on your bank, and funds may arrive the next business day.
What Is the Liberis Interest Rate? There is none. Liberis charges a single fixed fee per advance instead of interest and does not publish its range. Third-party reviewers use a 1.2 factor as an example, meaning $5,000 on $25,000; repaid in about six months, that equals roughly 73% APR.
Is Liberis a Loan or a Merchant Cash Advance? It is a merchant cash advance, not a loan. Liberis buys a share of your future sales for a fixed fee, so there is no interest, fixed term or set schedule; eBay's disclosures call it receivables finance repaid from a fixed percentage of daily gross sales.
What Happens If Sales Drop? Your payments drop with them. Liberis takes a fixed share of each day's sales, so a slow week means smaller remittances and the fee stays the same. eBay's US terms list no minimum payment, so a dip mainly lengthens repayment rather than adding cost.
Last verified 2026-10-26. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
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