Apply online
As an eBay seller, we have details that enable Liberis to provide you with an offer.
How it works
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Get approved
Unlock available capital* based on your eBay sales and performance history.
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Take a new advance
Available to you in 24 hours1. Simply access funding when needed.
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Access funds on demand
Utilize new advances for up to 12 months2, with no interest, just one fixed fee applied to each in just a few clicks.
*Available capital is the total amount of funding available to the customer, depending on eligibility.
Flexible Cash Advance from Liberis
Don’t miss a business opportunity with Flexible Cash Advance, a new funding solution that offers up to $2 million in funding to eBay sellers, based on their size and needs.
Gain fast access to your personalized offer of available capital and only pay for what you use. On-demand funds mean you’re prepared when you need them, like buying inventory to capitalize on seasonal opportunities or having cash flow for last-minute invoices.
To qualify for Flexible Cash Advance, you must have:
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Been actively trading for at least 12 months, with an average sales amount of at least $500 per month during that time
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Processed an average of eight sales, or more, over the past 12 months and made at least one sale in the last three months
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At least one sale in the last three months and have not been declined from any Liberis product during that time
Funding provided by
Liberis
Funding amount
$5,000-$2M
Credit score impact
No
Min. qualifying revenue
$500 per month in the last 12 months
Cost of financing
One fixed fee each time funding is pulled from your available capital amount
Payment
Payment is a pre-agreed 20% of gross sales until all fund access is paid
What you need to know
Access your available capital
Your available capital is the cumulative amount you can access at any one time. These funds are accessible for 12 months from the date your Flexible Cash Advance started.
Funding is provided by Liberis
Liberis has supported over 30,000 small businesses globally with over $1.3 billion in funding.
This is not a loan
This offer comes without fixed terms or interest rates. Instead, you’ll pay only for each new advance you take from your available capital, not the total. Advances are paid through a percentage of your eBay sales.
FAQs
Business Cash Advance is an advance on your sales that gives you access to a lump sum of capital upfront once approved. This is not a loan—the cost comes in the form of a fixed fee, not interest. Also, unlike a term loan that has fixed monthly payments, Business Cash Advance is paid on a pre-agreed percentage of your gross sales. You only pay for the advance when you sell, and if you need more funds in the future, you’ll have to apply for a renewal.
Flexible Cash Advance provides ongoing access to your available capital. You can take out multiple advances up to the maximum available capital as often as you need, without new applications or approvals for each advance. These advances are not loans—the cost comes in the form of fixed fees, not interest. Also, like a Business Cash Advance, each advance under the Flexible Cash Advance program is paid on a pre-agreed percentage of your gross sales. You only pay for the advance when you sell.
Liberis offers financing options with a broad eligibility criteria to meet the unique needs of both growing and established businesses. Funding can be used to buy more inventory during peak selling seasons or for promoting your listings on eBay.
No. As part of its assessment of your application for funding, Liberis may carry out a soft credit pull which will not impact your consumer credit score.
The simple application takes a few minutes to complete. With some basic information about you and your business, you could have a decision in seconds. You will be asked to verify your identity, provide certain personal and business information, and confirm the bank account where you prefer to receive your financing, if approved.
You might be asked to provide bank statements or tax returns for income verification purposes. If you have more than one bank account to manage your business and personal income, you’re welcome to provide multiple bank statements as requested. As part of the financing application process, you’ll need to provide a single bank account for the fund disbursal.
Liberis does not charge an origination fee, only a one-time fixed fee for each new advance.
Liberis may provide same-day decisions. Depending on your bank, your deposit could be available as soon as the next business day after financing approval. 1,3
Financing proceeds will be directly deposited into your verified bank account.
If you have an approved Flexible Cash Advance and would like to renew beyond the 12 month availability period, please contact Liberis directly at info-us@liberis.com or (470) 582-1130.
If you received an advance from Liberis, your payment is a fixed percentage of your gross daily sales.2 Your gross daily sales would include any taxes, shipping costs, and any other fees associated with the orders.
Disclaimer and additional information
Additional information: eBay is not a lender, does not make credit decisions, and does not offer loans to eBay sellers. eBay Seller Capital partners with third parties to provide capital loans or Business Cash Advances (as applicable) to eligible eBay sellers who qualify. The loans or Business Cash Advances (as applicable) are subject to the terms and conditions of the third-party financing provider, and eBay Seller Capital does not guarantee the loan amounts, interest rates, repayment periods, or advance amounts (as applicable).
eBay Seller Capital is not responsible for and has no control over any actions or omissions of third parties, including but not limited to their ability to fund a loan or Business Cash Advance (as applicable) or their decision to approve or deny a loan or funding application. eBay Seller Capital does not provide advice about the suitability or profitability of any loan or finance, and potential borrowers and Business Cash Advance customers should consult their own advisors before applying for financing. All loans and cash advances are subject to credit approval and satisfactory documentation. By applying for finance, you acknowledge and agree to the terms and conditions of the third-party lender, as well as any agreements between the lender or funding provider (as applicable) and eBay Commerce Inc.
1 January-May 2024: Following approval and contract signature, 75% of applications have received funding within one working day.
2 Amounts and availability period may be subject to change depending on your credit profile at inquiry. Liberis reserves the right to decline applications for affordability concerns, active insolvency, or failure to pass our compliance checks.
3 Flexible Cash Advance is not a loan and therefore there is no fixed schedule of repayments or fixed term. This product is provided by Liberis US Inc, 999 Peachtree St NE, Suite 300, Atlanta, GA 30309. (Registered in Delaware No: 7203441). Liberis’ Flexible Cash Advance is a form of receivables finance, not a loan. Amounts advanced are subject to status and Liberis' underwriting process before any offer can be made.