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Contact Us

Business Capital

Fund your business today with tomorrow's card sales.
From £1,000 to £500,000.


Ready to apply?

Applying won't affect your credit card score.

Powered by Liberis

Apply Now
Business Capital Clover

Clover has invested £10 Million to Empower UK SMB Growth in 2024


Recommended by 90% of customers 1

Trustpilot
Business Capital Clover

What is
Business Capital?

Business Capital is a funding solution that provides quick access to cash. There's no interest. Just one fixed cost*, so you know exactly how much you will pay. The balance is paid automatically as an agreed percentage of customer card transactions - meaning you simply pay when your customers pay you.

This flexible solution takes away the stress of fixed monthly payments and allows you to focus on what really matters - your business.
Business Capital is provided by our referral partner, Liberis.


*You will be expected to operate your business in a way that ensures Liberis recieves a minimum monthly amount of up to 3% of the total amount owned to Liberis.

Why choose Business Capital?

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Unlock Growth Potential

Business Capital available from £1,000 to £500,000.

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No hidden costs

The total Business Capital to pay stays the same however long you choose to pay.

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Quick and hassle-free

Quick, easy application and approval process, with funds available in as little as two working days.

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Pay through sales

Automatic payments mirror cash flow as a percentage of your cards sales.

Fund your business in just 3 steps

Simple.
Stress-free.
Like business capital should be.


Apply online by confirming your details

Our online application only takes a few minutes to complete. Once you confirm your details, you'll get a decision in as little as a few minutes.

Choose your quote
You'll know if you're approved right away, with no impact to your credit score*. Simply select the quote that works best for you.

Set-up your account
Finally, finish setting up your account and your funds could be on their way in as little as 2 working days from successful application. Enjoy!

Business Capital Clover

Ready to apply?

This link will take you to the Liberis website.

Apply now

Is my business eligible?

Have at least four months' card trading history

Be an existing Clover customer

Take a minimum of £1,000 in card payments a month

Powered by Liberis


Experts in business capital since 2007.
Funded £1bn to over 27k businesses around the world.
Recommended by 90% of customers. 
Totally hassle free, very easy to do. Very quick to receive the funds, no hidden costs - totally transparent. Would recommend.

- Avril, Trustpilot Review

 

Frequently asked questions

Business Capital offers immediate funds to help merchants grow their businesses. Whether you need capital to expand, invest in stock, staff or simply manage cash flow, we are here to assist you. This financing option provides merchants with swift, flexible, and hassle-free funding. With an easy application process, prompt response, funds in 24 hours of successful application, and convenient payment terms, we strive to offer a comprehensive solution for your financial needs.

Business Capital doesn't set a maximum payment period. Instead, it aligns with your business's card transactions with a percentage-based payment system. You pay more when sales are higher and less during slower periods. There's no fixed payment term, and the total Business Capital amount remains constant, regardless of how long it takes to pay.

No, you do not pay traditional interest with Business Capital. Instead, you agree to a single fixed cost upfront, which is added to the total Business Capital amount. This cost does not change, regardless of how long it takes for you to pay, so there are no hidden fees or interest charges.

Applying for Business Capital with Liberis through Clover will not affect your credit score. However, please be aware that entering into an agreement for Business Capital may influence your credit score over time depending on how the finance is managed.

To be eligible for Business funding through Clover's Business Capital, your business must meet the following criteria:

  • Have a trading history of at least four months card transactions
  • Be an existing Clover customer
  • Process a minimum of £1,000 in card payments each month.

These criteria ensure that the business has a steady track record of card sales, making Business Capital a suitable option for your business's funding needs.

With Clover's Business Capital, provided by Liberis, you can apply for Business Capital ranging from £1,000 to £500,000. The exact amount your business can receive will depend on factors such as your card payment transaction volumes and your business's overall financial health. Each application is subject to status and underwriting processes conducted by Liberis before any offer can be made to ensure the amount advanced is suitable for your business needs.

 

 

1 Figure refers to Liberis's 2021 Net Promoter Score survey of 5,448 respondents - measuring how likely they are to recommend our product on a scale 0-10 and using this to split the respondents into 3 categories - passives, detractors and promoters. The end score is calculated by subtracting the percentage of detractors from the percentage of promoters - in this case 90% were promoters and 10% were passives, giving Liberis a score of 90.

This product is provided by Liberis Ltd, Scale Space Building, 1st Floor, 58 Wood Lane London, W12 7RZ (company number: 05654231, Liberis' Business Capital is a form of recievables finance not a loan. Liberis is not authorised or regulated by the Financial Conduct Authority and the Financial Ombudsman Service will not be able to consider a complaint about Liberis. Amounts advanced are subject to status and our underwriting process before any offer can be made.

As of August 2023, 78% of successful applications received funding within 2 working days.

Terms and Conditions apply.

By enquiring, you acknowledge and agree to be contacted by telephone and email, and for Clover to share your information and data with Liberis for the purpose of assessing your eligibility for Business Capital.

Clover

Ready to apply?

If you're an existing Clover customer, funds could be in your account within one day after acceptance.*

This link will take you to the Liberis website. Applying won't affect your credit card score.**


*As of January 2023, Liberis's average time to fund successful applications with Clover UK customers was 18.73 hours.
**Your credit score is not affected by applying for a Business Capital. Taking out a Business Capital may affect your credit score.

Apply Now
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© 2025 Fiserv, Inc. or its affiliates. All rights reserved. Fiserv, Clover and First Data are trading names, trademarks, registered trademarks, service marks or registered service marks of Fiserv, Inc. or its affiliates. Our acquiring solution in the UK is provided by First Data Europe Limited (FDEL) a private limited company incorporated in England (company number 02012925) with a registered address at Janus House, Endeavour Drive, Basildon, Essex, SS14 3WF. FDEL is authorised and regulated by the Financial Conduct Authority (FCA register No. 582703;). Clover devices and solutions are provided by either Marketplace Merchant Solutions Limited (MMSL) or First Data Europe Limited (FDEL). Non Clover POS solutions are provided by FDR Limited, LLC (FDRL).FDEL, MMSL and FDRL are all Fiserv, Inc. group companies.

 

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