Business funding, simplified

Receive between £2,500 and £300,000 in business funding today and pay your balance through a pre-agreed percentage of your daily card sales.³

That's why we've partnered with leading funding expert, Liberis¹, to provide flexible funding to both buyers and sellers operating on the JOOR platform. 

You can now access fast business capital to purchase stock, hire staff, invest in future growth or simply balance your cash flow.³ 

With JOOR capital, you'll only pay when your business gets paid. We'll take a pre-agreed percentage of your daily card sales until your balance is complete.³ 

Business financing should be fast and straightfoward. 

Fill in the form below to get started

Enquiring won't affect your credit score⁴

What happens next?




Step one

Step two

Step three

Apply today by filling in your details below.

One of our team will get in contact with you via the number you provided.

We'll find out if you're eligible for funding and discuss your offer. 

Apply for funding in a few clicks.

Take a few minutes to tell us your contact information.

How does it work?

Receiving an offer is simple, we’ll integrate directly with your card processor to take a look at your previous sales and determine your eligibility. ¹

If you’d like to accept the offer, we’ll send you the funds plus a singular fixed fee. No fixed monthly cost or hidden surprises. ³

Here’s the best part – you only pay the balance when you get paid.³ We’ll take a pre-agreed percentage of your daily card takings until your account is settled.

Apply today and you could receive the funds within 48 hours of approval. Enquiring won’t affect your credit score. ²

We'll check your eligibility.

We'll give you a call and integrate directly with your card acquirer to check your eligibility for funding.¹

You'll get an offer.

If you're eligible, we'll give you a funding offer, plus a fixed cost. No hidden fees or nasty surprises. ³

Pay flexibly, only when a customer pays you.

The advance and fixed cost are paid via an agreed percentage taken from your future card sales. ³

What our customers say

Any questions? 

Rogue Boutique case study: How a fashion retailer used Liberis to save their business

Fashion Retailer Conquers Covid

Rogue Boutique is an online and in-store womenswear retailer. They used Liberis to aid in addressing the challenges posed by the pandemic and capitalise on increased customer demand when the world opened back up.

Apply today

The challenge

Lockdown drained their cash reserves. Once restrictions were eased, business came back in a big way, and they needed more stock to keep up with demand. The only way to make money in this business is to keep the stock fresh, Lexi tells us.

About Rogue Boutique

Rogue Boutique is an online and in-store ladies' fashion retailer. They used Liberis to ride the wave of the pandemic and capitalise on increased customer demand when the world opened back up.

The solution

The Liberis cash advance enabled them to purchase new stock and ride the wave of booming business after such a difficult period. Lexi recalls that their first advance was paid really quickly in line with their success. Rogue Boutique kept 80% of card sales, and Liberis took 20%. It worked so well for them, he’s said they’d do it again next time they replenish their stock.

Industry: Fashion

Location: UK

“It's easy. The payment mechanism works well and is straightforward – we don’t even have to get involved."

Gearing up for growth

Once the business stabilised after lockdown, Lexi looked for opportunities to increase revenue.

“We wanted to purchase a new machine which allowed us to make our own t-shirts and print on them. The overall goal was to increase sales and revenue. There were also some things we needed to upgrade – the business needed a little TLC”.

The second cash advance allowed them to purchase the machinery to make their own t-shirts, plus there was some left-over which Lexi told us “has come in handy”. “It’s gone towards smoothing out cashflow and has helpful to know it’s there in the background if we need it. It takes the pressure off things like salaries and rent”.

To find out how much funding your business may be eligible to receive, tap the button below.

Frequently asked questions

What is JOOR Capital?

Who can apply?

JOOR Capital is a new financing solution that provides flexible funding options to small businesses

to help them grow. Customers have the option to pay back the funding with a small percentage of

their daily credit card sales, so their payments are in line with their cash flow. There’s no fixed monthly

cost or hidden surprises. JOOR has partnered with Liberis, a leading funding provider, to deliver this

product to our retailers and brands

Liberis currently offers this funding option to any qualified business via their payment acquiring

partners. You can find the list of accepted providers below.

  • Worldpay
  • First Data/Fiserv/Clover
  • Elavon
  • Opayo
  • Global Payments
  • Stripe
  • iZettle
  • Shopify
  • Square
  • Dojo
  • Barclaycard

If your payment processor is not on the above list, we will help you verify whether your processor is eligible.

Your business must also meet the following requirements:

  • You have been with your current payment acquirer for minimum 4 months
  • Your business receives a minimum of 10 transactions per month
  • Your business achieves a minimum £2500 sales turnover per month

Liberis can work with almost any card-accepting business except in the following industries:

  • Financial services 
  • Travel agents
  • Estate agents 
  • Booking agents 
  • Charities 
  • Social services 
  • Government services 
  • Insurance sales 
  • Underwriting 
  • Car sales 
  • Schools 
  • NFP Companies 

What is the cost?

The Business Cash Advance (BCA) is not a loan. There is one fixed upfront cost (no APR or interest rate).

Liberis prices using a one off cost in pence per pound which is between 8p-35p (8%-35%) for every

pound that is advanced. This cost is added to the funding offer to make a total purchased amount.

How does it work?

You can register your interest online, after which a member of the Liberis team will reach out to discuss your application.

If eligible, you’ll receive a funding offer based on your business information, previous transaction history and potential. This offer will include your advance amount, plus one fixed fee. All offer amounts and fixed fees will be pre-agreed during the application stage. Liberis will then agree on a percentage split that will be taken from your customer card payments. This percentage will be taken from your daily batched card transactions and will go to Liberis to pay the advance.

Once Liberis finds a funding amount and price right for you, they will then process your application. During this process, Liberis will look at your business and conduct some checks, such as affordability, credit, and insolvency.

Once approved, you will receive the funds to use as you wish for your business.

We will configure the transaction splits and your payments will be taken automatically from batched daily card transactions until your business cash advance and funding fee have been paid. This will continue until the advance is satisfied.

How are payments to Liberis made?

A pre-agreed percentage of your daily card transactions will be diverted so that they are automatically paid to Liberis: that means every time you take a card payment we will automatically be sent that percentage of each transaction to pay your advance - it’s that easy, you don’t need to do anything. There is no minimum you can pay on any given day so when you aren’t that busy, you just pay less. 

How much could I get?

Liberis can provide eligible customers with funding. The amount they fund will depend on your business. They’ll look at your monthly card transactions and provide a funding amount for your business. 

Minimum: £2,500 - Maximum: £300,000

What credit checks do you perform, and will they impact my credit score?

When you submit a full application, Liberis will use a number of sources of information to help understand your business, including 3rd party credit bureau checks. They carry out both company and consumer credit bureau searches, which will leave a record of the search on both credit files, visible to other finance providers. Your credit score won’t be affected when applying but taking out a cash advance could affect your credit score. 

Can I tailor my quote?

Absolutely. You can choose the amount of funding you would like, up to the maximum, and the percentage of your customer card transactions you would like to pay towards the advance. This determines the funding fee and ultimately overall amount you will pay. Liberis work closely with businesses to find the funding that’s just right for them. 

Who are Liberis?

We’ve partnered with Liberis, an industry-leading provider of short-term funding. They deliver simple, flexible, and transparent funding to help UK businesses achieve their ambitions.

Established in 2007, in a space where traditional banking and loan models were unable to meet the needs of UK small businesses, Liberis provides finance based on business potential, not just credit history. Through its Business Cash Advance, an innovative form of funding, Liberis links payments directly to cash flow so businesses only pay when their customers pay them. Liberis is backed by British Business Bank Investments, the state-owned economic development bank established by the UK government.

How quickly to I have to pay my advance?

Advances range from 4-12 months. However, the beauty of funding with Liberis is that customers

will pay their advance as they make sales, perfectly in line with their cash flow. Meaning that there

are no fixed payments and no late fees!

What if my credit history isn’t squeaky clean?

Liberis will use several sources of information to help underwrite the business. They perform both

company and consumer credit bureau searches, which will leave a record of the search on both credit

files, visible to other finance providers. The business’s credit score won’t be affected when applying but

taking out a cash advance could affect their credit score. 

Joor Capital, powered by Liberis




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  1. The JOOR Capital product is provided by Liberis Ltd. Eligibility criteria and terms and conditions apply. JOOR Capital, powered by Liberis, is not a Financial Conduct Authority regulated product, it is provided by Liberis Ltd and JOOR will receive a commission. Liberis Ltd is not affiliated with JOOR.
  2. As of December 2021, 81% of successful applications received funding within 2 working days. Any preliminary approval will be based on the information about your business that is available at the time. You will get a final decision after submitting an actual application.  
  3. You will be expected to operate your business in a way that ensures Liberis receives a minimum monthly amount of 3% of the total amount owed to Liberis. 
  4. Your credit score is unaffected when obtaining a quote. Taking out a Business Cash Advance may affect your credit score.   d be used to tell a story and let your users know a little more about your product or service. How can you benefit them?