Liberis and Dojo offer SMBs faster capital access

Liberis and Dojo have introduced Dojo Flex Funds, a new financing solution that provides UK small businesses with instant capital during onboarding. The collaboration directly tackles a major obstacle for small and medium-sized enterprises (SMEs): the prolonged waiting periods typical of traditional lending processes.

The offering targets UK merchants generating at least £60,000 annually with a minimum of 12 months in operation. Unlike conventional loans, which demand extensive approval periods, Dojo Flex Funds delivers immediate, adaptable funding with a documented 90% approval success rate and favorable terms. Approval decisions rely on real-time transaction data, creating a smoother experience for businesses requiring rapid capital access.

This initiative reflects a broader industry evolution toward embedded finance, where financial services become integral components of business tools. By eliminating traditional lending delays, the partnership establishes a new industry standard for efficiency. Dojo already supports over 150,000 UK businesses and processes 50 million unique consumer cards monthly, providing a robust foundation for scaling the new product.

Traditional lenders typically demand full documentation and lengthy evaluations, creating friction for applicants. Dojo Flex Funds removes these obstacles, aligning with the growing expectation that financial services should integrate seamlessly into daily operations. The partnership also introduces Liberis’ Starter Capital, a simplified funding option designed specifically for newer merchants, further expanding the product’s reach.

Access to capital frequently determines whether small businesses can expand or remain stagnant. The product’s emphasis on instantaneous approvals and transaction-based assessments directly addresses the priorities of merchants who value efficiency over bureaucratic processes. However, sustaining high approval rates while managing risk will be essential to maintaining the model’s effectiveness.

Trang-Thu Tran, Chief Commercial Officer at Liberis, described the product as a major shift in how UK SMEs secure financing. “By providing funding from day one, not months down the line, we’re removing traditional barriers to capital and supporting small businesses when they need it most,” she stated. This approach particularly benefits merchants lacking collateral or established credit histories.

Mike Winwood, General Manager of Funding at Dojo, emphasized the product’s immediate impact potential. “With more than 150,000 UK businesses enabled by Dojo, we know how challenging access to capital to unlock further growth can be,” he noted. The seamless integration into Dojo’s onboarding process allows merchants to accelerate growth, improve cash flow management, and enhance customer experiences—key factors for businesses focused on expansion.

The launch also reinforces Liberis‘s position as a leader in embedded finance solutions. By including Starter Capital as part of the offering, the company enhances its appeal to fintech partners seeking to boost customer acquisition and loyalty. The product’s long-term viability will depend on its ability to maintain high approval rates while adapting to diverse merchant requirements.

For UK SMEs, this partnership represents a meaningful advancement in capital accessibility. While widespread adoption will require strong execution and market demand, the core focus remains on delivering practical advantages—faster access, reduced entry barriers, and flexible terms, without guaranteeing risk-free outcomes.

Businesses now have a new option to secure funding without the delays of conventional lending processes.