Liberty Funding Solutions

Name

Liberty Funding Solutions

Legal name

Liberty Funding Solutions LLC

Website

https://lbtyfund.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Iselin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Business Financing/Working Capital Loans: Liberty Funding Solutions generates revenue by providing short-term financing and working capital loans to small businesses. They charge fees and interest rates on the financing they provide. Their rates are typically higher than traditional banks due to higher risk acceptance and faster approval processes. The company offers early payoff discounts for prepayment, indicating revenue is earned through origination fees and ongoing interest/fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Liberty Funding Solutions provides short-term business financing and merchant cash advances to small and mid-sized U.S. businesses, with loan amounts ranging from $10,000 to $3,000,000. Approval decisions are made via human underwriting focused on cash flow rather than hard assets or personal guarantees, with funding delivered within 2 business days of approval.

Product overview

Liberty Funding Solutions offers a single unified business financing product that provides fast capital to small and medium businesses. Their financing ranges from $10,000 to $3,000,000 with approval decisions based on cash flow analysis rather than hard assets or personal guarantees. The company serves various industries including Manufacturing, Restaurants, Specialty Trade, Retail, Trucking, Construction, Health Services, and Personal Services, positioning their offering as an alternative to traditional banking for businesses needing immediate capital.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Financing Short-term business financing (including working capital loans and merchant cash advances) ranging from $10,000 to $3,000,000 for U.S. small and mid-sized businesses that cannot or do not want to obtain capital from traditional banks. Approval is based on cash flow rather than collateral or personal guarantees, with 24-hour decisions and funding within 2 business days.

Quantifiable outcome

• 80% approval rate for merchants who apply
• +2 more outcomes

Named customers2 records

Segments9 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves4 records

Direct peers

• Lendio: SMB lending marketplace aggregating multiple funding products (term loans, MCAs, lines of credit) for US small businesses — competes for the same borrower looking for fast, alternative capital.
• Credibly: Direct alternative SMB lender offering working capital advances and term loans with fast approval, cash-flow evaluation, and a multichannel sales approach similar to Liberty.
• National Funding: Direct SMB lender offering working capital loans and equipment financing with similar ticket sizes, fast approval, and cash-flow underwriting targeting businesses underserved by banks.
• BlueVine: Fintech providing SMB lines of credit and working capital with fast online approval and funding — competes directly for the underserved SMB Liberty targets, with stronger digital UX.
• OnDeck (Enova): Long-established online SMB lender offering short-term loans and lines of credit with similar speed-of-funding pitch to underserved small businesses.
• Rapid Finance: Direct competitor in the SMB working capital / MCA space with phone-driven sales, fast funding, and cash-flow-based approvals for businesses across multiple verticals.
• Fora Financial: Direct alternative lender providing merchant cash advances and short-term working capital to US SMBs, mirroring Liberty's product, sales-led motion, and speed-based value proposition.
• Biz2Credit: SMB lending platform and marketplace connecting small businesses to multiple working capital and term loan products — competes for the same prospective SMB borrower.
• Fundbox: Provides SMB working capital advances with fast online approval and short-term repayment structures; overlaps with Liberty on cash-flow underwriting and speed of funding.
• Funding Circle US: SMB lending platform offering term loans and lines of credit to US small businesses, competing in the same speed-and-access-to-capital proposition for bank-declined borrowers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Liberty Funding Solutions