Today: Feb 14, 2025

Liberis Secures £89m Debt Funding to Fuel Global Expansion

1 year ago

London-based embedded finance provider Liberis has successfully raised £89 million ($112 million) in debt financing from HSBC Innovation Banking and BCI Capital. This significant capital injection will propel Liberis into new international markets, with plans to launch its accessible finance tools in Canada, Germany, and Poland in the coming year.

Liberis specializes in developing tools that empower small businesses by embedding finance solutions into existing platforms and facilitating direct access to funding applications. The company’s innovative approach leverages artificial intelligence (AI) to tailor personalized financing offers for small and medium-sized enterprises (SMEs). Since its inception in 2007, Liberis has facilitated nearly $1.5 billion in funding across an impressive 60,000 transactions.

The joint debt facility from HSBC Innovation Banking and BCI Capital is a confirmation about Liberis’ commitment to providing fair and frictionless funding to businesses through its embedded finance platform. Rob Straathof, CEO of Liberis, emphasized the potential impact of this funding, stating, “The joint debt facility from HSBC Innovation Banking and BCI Capital allows Liberis to serve thousands more business owners with fair and frictionless funding through our partners using our embedded finance platform.”

This latest funding round brings Liberis’ total capital secured to an impressive $700 million, reinforcing its position as a key player in the fintech industry.

Notably, HSBC Innovation Banking’s involvement marks a substantial debt investment, building on the foundation established through its earlier relationship with Liberis when Silicon Valley Bank UK provided £26 million in debt financing in January.

Guillaume Adjogah, Senior Vice President of fintech warehouse finance at HSBC Innovation Banking UK, expressed enthusiasm about the partnership, noting that the debt financing will “enable Liberis to further spread its wings into new geographies.” This sentiment reflects the strategic vision of both parties, as Liberis gears up for expansion into Canada, Germany, and Poland.

The funding landscape in 2023 has seen many startups turning to debt financing amid a challenging funding market. Debt financing offers businesses the advantage of retaining control without diluting ownership, and in certain cases, it can be a more straightforward avenue for raising capital. Importantly, companies opting for debt financing are less likely to undergo a downround, providing a favorable alternative in the current economic climate.

As Liberis embarks on this new phase of international expansion, the infusion of £89 million in debt financing from HSBC Innovation Banking and BCI Capital positions the company strongly for continued growth. This collaboration not only highlights the resilience of Liberis in navigating the financial landscape but also underscores the confidence of major financial institutions in the potential of embedded finance solutions for SMEs.

Fabrice Iranzi

Journalist and Project Leader at LionHerald, strong passion in tech and new ideas, serving Digital Company Builders in UK and beyond
E-mail: iranzi@lionherald.com

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