At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
About Libertas Funding
Libertas Funding occupies a niche that most MCA providers ignore: e-commerce businesses and online marketplace sellers. Traditional MCA underwriting relies on bank statements and credit card processing volume, which works well for brick-and-mortar businesses but poorly captures the financial health of an Amazon FBA seller, a Shopify DTC brand, or an eBay power seller. Libertas solves this by connecting directly to marketplace APIs — Amazon Seller Central, Shopify Admin, eBay, Etsy, and WooCommerce — and pulling real-time sales data, order velocity, seller ratings, return rates, and product category performance. This data-rich underwriting means high-volume online sellers can qualify for lower factor rates than they would at a bank-statement-only provider, because Libertas can verify revenue at the transaction level rather than estimating from deposits. The repayment model for e-commerce clients is equally specialized. Instead of daily ACH based on bank deposits, Libertas can structure repayment as a percentage of marketplace sales, automatically diverting a holdback (typically 8-15%) from your payout before it hits your bank account. For an Amazon seller, this means the repayment is synced to actual disbursement cycles (biweekly for most FBA sellers). For Shopify sellers, it can be synced to the Shopify Payments payout schedule. The advantage is the same as POS-based split funding for restaurants: payments scale with actual sales, reducing default risk during slow periods and accelerating payoff during peak periods like Prime Day or Black Friday. Libertas is the best MCA option for established e-commerce businesses — particularly Amazon FBA sellers doing $200K+ annually, Shopify brands with consistent order volume, and eBay/Etsy sellers with high seller ratings. Their factor rates (1.10-1.45) are competitive, and the marketplace-integrated underwriting often produces better pricing than general-purpose MCA providers can offer for the same seller. The limitation is clear: if you are a brick-and-mortar business with minimal online sales, Libertas's e-commerce specialization provides no advantage, and you are better off with a general-purpose provider like OnDeck, Fora Financial, or Credibly.
Key Features
Marketplace Integrations
Direct API connections with Amazon, Shopify, eBay, Etsy, and WooCommerce allow for real-time revenue verification and automated underwriting for online sellers.
Revenue-Based Underwriting
Instead of relying solely on bank statements and credit scores, Libertas evaluates actual marketplace sales data, benefiting high-volume sellers with strong sales history.
Inventory Financing Programs
Specialized programs designed for e-commerce inventory purchases, including seasonal stocking, product launches, and bulk buying opportunities.
Flexible Repayment Tied to Sales
Repayment can be structured as a percentage of online sales, so payments automatically adjust based on actual revenue performance.
How It Works
Connect Your Store
Link your marketplace account (Amazon, Shopify, eBay, etc.) or upload 3 months of bank statements for traditional review.
Automated Analysis
Libertas's system analyzes your sales data, order volume, seller ratings, and revenue trends to determine eligibility.
Custom E-Commerce Offer
Receive a funding offer designed for your sales patterns, with options for percentage-of-sales or fixed repayment.
Quick Funding
Accept electronically and receive funds within 1-3 business days, ready for inventory purchases or business growth.
Sales-Synced Repayment
Repayment is automatically synced to your sales performance, ensuring payments align with your actual revenue.
What They Do
- Merchant Cash Advance
- Revenue-Based Financing
- Inventory Financing
- Working Capital Loans
Debt Types They Take On
- Merchant Cash Advance
- Revenue-Based Financing
- Inventory Financing
- E-Commerce Working Capital
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
Amazon FBA Inventory Scaling — $150K Advance
An Amazon FBA seller with \$1.2M annual revenue across 45 SKUs in the home goods category needed \$150,000 in May to triple inventory ahead of Prime Day (July) and Q4 holiday season. The seller had a 4.7-star rating, 2% return rate, and 18-month track record. Their bank declined a line of credit because Amazon FBA revenue is not considered "traditional" business income by most commercial lenders.
Shopify DTC Brand Product Launch — $75K Advance
A direct-to-consumer skincare brand on Shopify doing \$28K/month needed \$75,000 for a new product line launch: \$35K for initial inventory from a contract manufacturer, \$15K for product photography and packaging design, and \$25K for a Facebook/Instagram paid advertising campaign. The founder had a 560 FICO from medical debt and was declined by Fora Financial.
Pros & Cons
Pros
- Direct marketplace API integrations (Amazon, Shopify, eBay, Etsy, WooCommerce) enable transaction-level underwriting that is more accurate than bank-statement analysis for online sellers
- Sales-synced repayment tied to marketplace disbursements means payments automatically scale with actual sales performance — critical during post-holiday slowdowns or seasonal dips
- E-commerce-specific underwriting often produces lower factor rates than general-purpose MCA providers for the same seller, because Libertas can verify revenue granularity that bank statements obscure
- Specialized inventory financing programs support seasonal stocking (Prime Day, Black Friday, holiday), product launches, and bulk purchase opportunities with terms designed for inventory turn cycles
- Seller rating and marketplace health metrics (return rate, reviews, repeat customer rate) can compensate for weak personal credit scores, benefiting sellers with strong businesses but imperfect personal credit
Cons
- E-commerce specialization means brick-and-mortar businesses gain no underwriting advantage — if you do not sell primarily online, OnDeck or Fora Financial will serve you equally well or better
- Smaller total funding volume (\$800M+) and shorter operating history (since 2014) versus established competitors like OnDeck (\$15B+, since 2006) or Rapid Finance (\$4B+, since 2005) means less market-tested infrastructure
- Best factor rates require marketplace integration — sellers who cannot or will not connect their marketplace accounts fall back to standard bank-statement underwriting and lose the pricing advantage
- Marketplace-synced repayment introduces platform dependency risk: if Amazon suspends your seller account or Shopify freezes payouts, your repayment mechanism breaks and you may need to switch to manual ACH, potentially triggering contract renegotiation
User Reviews (30)
would use again
I run a pest control company and we needed marketing money fast. Libertas Funding delivered. $25,000 at 1.19.
fast
Just got my second advance from them. Rate dropped from last time. Libertas Funding is solid.
run
wouldn't go back
fair deal
10/10
reliable
Process was smooth but customer service after funding was meh. Got $75K for new equipment.
solid
James picked up every time I called. That alone is worth 5 stars imo.
smooth process
10/10
decent but expensive
$60,000 for my moving company. MCA money costs what it costs. Libertas Funding was neither better nor worse than others.
regret it
Nah. Libertas Funding is overpriced. Got $30K at 1.14 and it's been a grind. Better options out there.
great
My print shop needed insurance money and the bank said no. Libertas Funding said yes, $200K at 1.35. Trevor walked me thru everything.
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Frequently Asked Questions
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Related Companies
Important Merchant Cash Advance Disclaimers
- A merchant cash advance is not a loan. It is a purchase of future receivables at a discount. Factor rates, not APRs, are used to express the cost of capital. Effective APRs on merchant cash advances can range from 40% to over 350% depending on the term and factor rate.
- Repayment is typically collected daily or weekly via automatic ACH debits or a percentage of credit card sales. This means your repayment amount fluctuates with revenue but withdrawals occur every business day, which can strain cash flow during slow periods.
- Most MCA agreements require a personal guarantee from the business owner. In the event of default, the MCA provider may pursue the owner's personal assets, including bank accounts and property.
- MCA providers commonly file UCC-1 liens against your business assets. This lien may prevent you from obtaining additional financing until the advance is fully repaid and the lien is released.
- Merchant cash advances are not regulated by federal lending laws such as the Truth in Lending Act (TILA). State regulations vary widely, and some states have limited consumer protections for MCA products.
- Stacking multiple merchant cash advances (taking a second advance before the first is repaid) significantly increases the risk of default and can lead to aggressive collection actions including confessions of judgment in some jurisdictions.
- Zogby does not provide merchant cash advances or business financing. We are an independent comparison service. We do not fund advances, process applications, or guarantee approval on your behalf.
This page is informational, not financial or legal advice. Talk to a qualified professional before making any big money decisions.
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We make money from some companies on this page. That doesn't change our rankings -- the editorial team scores every product independently, and the business side has no say in what we recommend.