Liberis Cash Advance Calculator
Starts from the ranges Liberis publishes. Swap in your own offer for an exact figure.
Facts checked 7 September 2026
Ranges taken from Liberis: explore funding page and footer terms.
Liberis sells one fixed fee, repaid as a share of card takings that you choose at the offer stage, which in turn sets the fee. The clause to add to any calculation is its monthly minimum: up to 3% of the total amount owed each month, with any shortfall collectable by direct debit. On a £24,000 total that is up to £720 a month whatever your takings did. The factor rate and sweep below are mid-market assumptions.
Liberis: £1,000 to £1,000,000 direct; £2,500 to £300,000 through the Opayo channel
Liberis charges one fixed fee set by the split you choose; no rate card is published
Use an average month, not your best one
Liberis publishes no fixed share, and a monthly minimum of up to 3% of the total owed applies
Common questions
Does Liberis publish its factor rate?▼
Liberis charges one fixed fee set by the split you choose; no rate card is published.
How much of my card sales does Liberis take each day?▼
Liberis publishes no fixed share, and a monthly minimum of up to 3% of the total owed applies. The share is fixed for the life of the advance, so the cash amount rises and falls with your takings.
Is this a Liberis quote?▼
No. It is arithmetic on the ranges Liberis publishes, with a mid-market factor rate where Liberis does not publish one. Your offer will carry its own figures; put those into the calculator and the result is exact for your deal.
Source
Liberis: explore funding page and footer terms, checked 7 September 2026. The calculator assumes a 30-day trading month and a fixed share of card sales.
CapExpand Ltd (FRN 1060885) is an Appointed Representative of White Rose Finance Group Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630772). We are a credit broker, not a lender. We do not provide financial advice.