Small businesses often struggle not because their ideas fail, but because financing does. Today, Liberis unveiled the Liberis Capital Platform, an AI-powered funding ecosystem built to cut through what it calls a “broken and fragmented” small-business finance landscape.

Live now in the U.S. with a global rollout planned for 2026, the platform promises to give SMBs a single, intelligent hub for navigating financing—from day-one cash flow to multi-million-dollar expansion projects. Businesses can access up to $2 million in funding, with offers shaped in real time by AI trained on more than 118 million data points each month.

A Funding Toolkit With Intelligence Inside

At the heart of the system is a recommendation engine that analyzes everything from revenue trends to customer reviews. Instead of shuttling between multiple lenders and products, SMBs get personalized recommendations across a suite of five modular blueprints:

• Starter Capital – Day-one funding with 98% eligibility for new merchants.
• Working Capital Finance – Short-term solutions for cash flow gaps.
• Flex Capital – A replenishing line of finance without repeated underwriting.
• Pay with Liberis – Embedded checkout financing tied to partner ecosystems.
• Investment Capital – Strategic, larger-scale growth funding.

Liberis says these products aren’t rigid off-the-shelf tools. Partners can co-create bespoke offerings based on their customer base—a differentiator in the embedded finance space, where customization is often limited.

Fixing a Fragmented Market

“Small businesses face a fragmented financing landscape, using 5–8 products across multiple providers with high rejection rates and lack of personalized solutions,” said Rob Fairfield, CEO of Liberis. “We’re shattering that with an intelligent platform that anticipates needs and grows alongside our partners’ customers.”

He’s not exaggerating: studies routinely show small-business loan rejection rates hovering around 50% at traditional banks, with alternative providers offering inconsistent terms. By embedding financing directly into partner ecosystems and layering AI-driven insights, Liberis wants to become the “definitive funding infrastructure” for SMBs worldwide.

Embedded Finance, But Smarter

The launch comes as embedded finance continues to heat up, with players like Stripe, Square, and Shopify also layering financial products into merchant ecosystems. But while rivals have focused on payment-linked lending, Liberis is positioning its Capital Platform as a holistic, AI-driven funding hub—one that spans the full SMB growth journey.

The company is already modularizing its technology further to accelerate onboarding for new partners and broaden its global reach. If it succeeds, the Liberis Capital Platform could become less of a single product launch and more of a new operating system for small-business finance.