Libertas Funding

Overview

Libertas Funding specializes in large merchant cash advances and revenue-based financing (RBF) for established businesses. They’ve funded over $2.6 billion, targeting companies with strong monthly revenue (over $75,000) and good credit (630+ FICO). Expect same-day funding and dedicated relationship management tailored for growth-focused companies.

Key Differentiators:

• Large advances: Get up to $5+ million, among the industry’s highest.
• Fast funding: Approval and funding can happen the same day.
• High eligibility standards: Geared toward businesses with strong revenue.
• No prepayment penalties: Pay early for a discount (10–25%).
• Relationship focus: Over 70% return for more funding.
• Flexible remittance: Pay daily, weekly, bi-weekly, or monthly.

Merchant Cash Advance Details

Factor Rates & Terms

• Factor rates: Not publicly disclosed — quoted individually after consultation (estimated 1.05–1.30 range based on customer reports; Libertas does not publish rates)
• Advance amounts: $50,000 – $5,000,000+
• Holdback percentage: 10–20% of daily/weekly revenue
• Remittance frequency: Daily, weekly, bi-weekly, or monthly (flexible)
• Term length: Up to 12 months (typically 6–12 months)
• Renewal options: Available after partial repayment (typically 50%+)
• Early payoff discount: 10–25% off remaining balance

Eligibility Requirements

• Time in business: 2+ years minimum
• Monthly revenue: $75,000+ ($900,000+ annually); some products may require $150,000+/month
• Credit score: 630+ FICO (some products may require 650+)
• Bank statements: 3–6 months required
• Industry restrictions: Most standard industries; some high-risk excluded
• Business location: U.S.-based businesses only

Funding Speed

• Application to approval: 24–48 hours
• Approval to funding: As quick as same-day
• Documentation: Digital submission, streamlined process
• Representative contact: Personalized guidance throughout

Other Financing Products

Revenue-Based Financing (RBF)

• Amounts: $50,000 – $5,000,000
• Terms: 3–24 months
• Factor rates: 1.05–1.30
• Use cases: Working capital, expansion, acquisitions

Business Term Loans

• Amounts: $100,000 – $5,000,000
• Terms: 1–5 years
• Rates: 8–25% APR (via partner WebBank)
• Requirements: $100,000+ monthly deposits, 625+ FICO

Application Process

Step-by-Step

1. Online application: Basic business information (10–15 minutes)
2. Document submission: Bank statements, business documents, tax returns
3. Representative consultation: Personalized review and offer presentation
4. Underwriting: Revenue analysis and credit assessment
5. Offer acceptance: Digital agreement signing
6. Funding: ACH or wire transfer within 24 hours

Required Documents

• 3–6 months business bank statements
• Business tax returns (1–2 years)
• Personal identification and SSN
• Business license/registration documents
• Voided business check or bank verification

Cost & Fee Structure

Merchant Cash Advance Costs

• Factor rate fee: Built into total repayment; rates not publicly disclosed — get your quote in writing before signing
• Origination fee: 1–3% of advance amount (typically deducted upfront; verify before signing)
• Administrative fees: Minimal to none
• ACH return fee: Standard banking fees apply
• Early payoff: 10–25% discount on remaining balance

Comparison to Industry Averages

Metric	Libertas Average	Industry Average
Maximum advance	$5,000,000+	$500,000
Minimum revenue	$75,000/month	$10,000–$15,000/month
Credit requirement	630+ FICO	500+
Funding speed	24 hours	1–3 days
Transparency rating	3.5/5 stars	3.8/5 stars

Customer Experience

Ratings & Reviews

• Trustpilot: 4.9/5 stars (based on 79+ reviews)
• Google Reviews: 4.0/5 stars (8 reviews)
• Better Business Bureau: A+ rating (not accredited)
• Industry publications: CNBC Select “Best for Large Advances” (2026)

Common Praises

• Large funding amounts: Ability to secure $1M+ advances
• Fast processing: Many report same-day funding
• Personalized service: Dedicated representatives
• Flexible terms: Multiple repayment frequency options
• Early payment discounts: Significant savings for prompt repayment

Common Complaints

• High eligibility: Excludes many small businesses
• Lack of transparency: Rates not publicly disclosed
• Revenue requirements: $75K/month minimum too high for some
• Limited product range: Focus primarily on RBF/MCA

Industry Specializations

Best For These Industries

• Healthcare: Medical practices, dental offices, clinics
• Manufacturing: Production facilities, supply chain businesses
• Technology: SaaS companies, IT services
• Professional services: Consulting firms, agencies
• Wholesale/distribution: Inventory-intensive businesses
• Construction: Established contractors with steady revenue

Industries With Limitations

• Restaurants: May have seasonal volatility concerns
• Retail: Lower-margin businesses may struggle with requirements
• Startups: Less than 2 years history typically not eligible
• High-risk: Adult entertainment, gambling, cryptocurrency

Regulatory & Compliance

Licensing & Registration

• Registered: Greenwich, Connecticut
• Licenses: Operates nationwide (all 50 states + D.C.)
• Compliance: Follows state lending regulations
• Transparency: Clear terms in agreements, though rates not public

Industry Affiliations

• Financial Technology Association: Participant
• Commercial Finance Association (CFA): Member
• Small Business Finance Association (SBFA): Affiliate

Strategic Considerations

When Libertas Makes Sense

• Established businesses: 2+ years with strong, consistent revenue
• Large capital needs: $250,000+ funding requirements
• Time-sensitive opportunities: Need funding within days
• Growth financing: Expansion, acquisitions, major equipment
• Relationship seeking: Want ongoing financing partner

When to Consider Alternatives

• Smaller businesses: Under $75,000 monthly revenue
• Credit challenges: Below 600 FICO score
• Startup phase: Less than 2 years in business
• Cost transparency needs: Want publicly disclosed rates
• Smaller advances: Under $50,000 needs

Contact Information

Primary Contact

• Website: libertasfunding.com
• Phone: (855) 855-8303
• Address: 500 West Putnam Avenue, Greenwich, CT 06830
• Email: [email protected]

Application Portal

• Online application: libertasfunding.com/apply
• Document upload: Secure portal available
• Status tracking: Representative-guided process
• Support: Phone, email, dedicated account managers

Comparison to Other Providers

vs. National Funding

• Libertas advantage: Larger maximum advances ($5M+ vs. $500K)
• National Funding advantage: Lower revenue requirements, more small-business focused

vs. Credibly

• Libertas advantage: Higher advance amounts, faster same-day funding
• Credibly advantage: Lower credit requirements (500+), startup-friendly

vs. OnDeck

• Libertas advantage: Larger advances, relationship-focused service
• OnDeck advantage: More established, wider product range

vs. Fora Financial

• Libertas advantage: Much larger maximum advances ($5M+ vs. $1.5M)
• Fora Financial advantage: Lower revenue requirements, shorter time in business

Final Recommendation

Overall Rating: 4.2/5 Stars

Best suited for: Established businesses with $75,000+ monthly revenue seeking large advances ($250,000–$5,000,000) and fast funding.

Consider if: You need substantial capital quickly, have strong revenue and credit (630+ FICO), value ongoing relationships, and can handle daily/weekly repayments.

Look elsewhere if: Your business generates under $75,000 monthly, has credit below 600, is less than 2 years old, or you need complete upfront cost transparency.

Bottom line: Libertas Funding excels at providing large-scale merchant cash advances to established businesses with strong financials. While their high eligibility requirements exclude many small businesses, those who qualify benefit from some of the industry’s largest advance amounts and exceptional funding speed. The lack of public rate transparency is a concern, but their strong customer ratings and A+ BBB rating suggest generally positive experiences for qualified applicants.

See our Libertas Funding vs. Kapitus comparison and Libertas Funding vs. Fora Financial comparison for detailed side-by-side breakdowns of these large-advance MCA providers, or compare all 24 providers on the MCA comparison table. Use the MCA cost calculator to model your total repayment cost before committing.

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Last updated: June 2026. Factor rates are not publicly disclosed — get your rate in writing before signing. All terms and eligibility requirements subject to change; verify directly with Libertas Funding.