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: 1.05–1.30 (typically 1.15–1.25 for standard advances)
Advance amounts: $50,000 – $5,000,000+
Holdback percentage: 10–20% of daily/weekly revenue
Term length: 3–24 months (typically 6–12 months)
Renewal options: Available after partial repayment (typically 50%+)

Eligibility Requirements

Time in business: 2+ years minimum
Monthly revenue: $75,000+ ($900,000+ annually)
Credit score: 630+ FICO (exceptions possible with strong revenue)
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

Online application: Basic business information (10–15 minutes)
Document submission: Bank statements, business documents, tax returns
Representative consultation: Personalized review and offer presentation
Underwriting: Revenue analysis and credit assessment
Offer acceptance: Digital agreement signing
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 (1.05–1.30 range)
Origination fee: 1–3% of advance amount (typically deducted upfront)
Administrative fees: Minimal to none (transparent pricing)
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: info@libertasfunding.com

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.

Last updated: March 2026. Rates, terms, and eligibility requirements subject to change. Verify current offers directly with Libertas Funding before applying.

Libertas Funding — Merchant Cash Advance & Revenue-Based Financing