Total amount raised
£448.5 Millions
Latest funding date
12/1/2023
Location
Liberis has successfully raised significant funding through multiple rounds, with its latest being debt financing. The company specializes in providing embedded finance solutions, enabling platforms to offer seamless funding to small businesses.
Keep reading to explore the intricacies of Liberis' fundraising journey and the investors backing this innovative platform.
What Is Liberis?
Founded in 2007, Liberis is a finance platform headquartered in White City, Oregon, United States. The company specializes in providing embedded finance solutions, enabling seamless funding experiences for small businesses through partner platforms.
Charles Mindenhall and Paul Mildenstein are the visionaries behind Liberis, driving the company's mission to support small businesses globally. Their innovative approach has positioned Liberis as a leader in the finance technology sector.
With a dedicated team of 251-500 employees, Liberis continues to expand its reach and impact, offering products like Revenue Finance and the Embedded Finance Platform to fuel business growth and customer loyalty.
How Much Funding Has Liberis Raised?
- Debt Financing
- Amount Raised: £57.5M
- Date: April 2018
- Lead Investors: Not publicly disclosed
- Valuation at Round: Not publicly disclosed
- Motivation Behind the Round: To support the company's growth and expansion efforts.
- Private Equity Round
- Amount Raised: £32M
- Date: January 2020
- Lead Investors: FTV Capital
- Valuation at Round: Not publicly disclosed
- Motivation Behind the Round: To fuel further growth and development of their finance solutions.
- Debt Financing
- Amount Raised: £70M
- Date: December 2020
- Lead Investors: Not publicly disclosed
- Valuation at Round: Not publicly disclosed
- Motivation Behind the Round: To expand their embedded finance platform and support more small businesses.
- Non-Equity Assistance
- Amount Raised: Not publicly disclosed
- Date: April 2021
- Lead Investors: Future Fifty
- Valuation at Round: Not publicly disclosed
- Motivation Behind the Round: To gain strategic support and resources for scaling operations.
- Venture Round
- Amount Raised: £34M
- Date: December 2021
- Lead Investors: Barclays Bank
- Valuation at Round: Not publicly disclosed
- Motivation Behind the Round: To enhance their product offerings and expand market reach.
- Debt Financing
- Amount Raised: £140M
- Date: September 2022
- Lead Investors: Not publicly disclosed
- Valuation at Round: Not publicly disclosed
- Motivation Behind the Round: To support further growth and expansion into new markets.
- Debt Financing
- Amount Raised: £26M
- Date: January 2023
- Lead Investors: Silicon Valley Bank UK
- Valuation at Round: Not publicly disclosed
- Motivation Behind the Round: To fund European expansion efforts.
- Debt Financing
- Amount Raised: £89M
- Date: December 2023
- Lead Investors: BCI Capital, HSBC Innovation Banking
- Valuation at Round: Not publicly disclosed
- Motivation Behind the Round: To support growth in North America and Europe and expand into new markets.
Total Amount Raised: $700M. Current Valuation: Not publicly disclosed.
Key Investors
- BCI Capital
- Details: BCI Capital is a financial services firm that provides debt financing solutions to businesses. They have been a long-term partner of Liberis since 2015.
- Investment Focus Areas: Debt financing, business growth, global expansion.
- Notable Investments: Long-term support for Liberis.
- HSBC Innovation Banking
- Details: HSBC Innovation Banking is a division of HSBC that focuses on providing financial services and support to innovative companies, particularly in the fintech sector. They recently provided a significant debt facility to Liberis.
- Investment Focus Areas: Fintech, innovative companies, high-growth sectors.
- Notable Investments: Clearscore, Liberis.
- Silicon Valley Bank UK
- Details: Silicon Valley Bank UK is a financial institution that provides banking services to technology and life science companies. They have previously provided debt financing to support Liberis's European expansion.
- Investment Focus Areas: Technology, life sciences, European expansion.
- Notable Investments: Liberis.
- Barclays Bank
- Details: Barclays Bank is a major global financial services provider engaged in retail banking, credit cards, corporate and investment banking, and wealth management. They have provided significant debt facilities to Liberis.
- Investment Focus Areas: Financial services, corporate banking, investment banking.
- Notable Investments: Various investments in financial services and fintech companies.
- FTV Capital
- Details: FTV Capital is a growth equity investment firm that invests in high-growth companies in enterprise technology and services, financial services, and payments and transaction processing. They have backed Liberis in its growth journey.
- Investment Focus Areas: Enterprise technology, financial services, payments and transaction processing.
- Notable Investments: High-growth companies in enterprise technology and services, financial services, and payments and transaction processing.
What's Next for Liberis?
With a fresh £89 million in debt financing, Liberis is poised to expand into new markets like Canada, Germany, and Poland. This move aligns with the growing trend of embedded finance solutions, which are becoming essential for small businesses worldwide. The company’s innovative use of AI and machine learning to offer personalized financial products positions it well to tap into the vast SME market, which represents around 90% of businesses globally.
Future fundraising opportunities seem promising, given the substantial recent investments from major financial institutions. These funds will likely support further technological advancements and market expansion. However, Liberis will need to navigate regulatory challenges and economic uncertainties while maintaining the quality of its financial products. The competitive landscape, including traditional banks and other fintech companies, will also pose significant hurdles as Liberis scales its operations.
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