Liberis
Embedded Finance. Built together. Designed for Growth.
317 employees · est. 2007 · London, United Kingdom
Ratio
BNPL for B2B and SaaS. Win More and Get Up to 100% of the TCV UpFront. Learn how Companies are increasing ARR by 60%+
37 employees · est. 2021 · San Mateo, United States
Liberis is the older company (2007 vs 2021); Liberis is the larger of the two.
Side-by-Side Comparison
| Metric | Liberis | Ratio |
|---|---|---|
| Founded | ||
| Founded | 2007 older | 2021 |
| Headquarters | ||
| Headquarters | London, United Kingdom | San Mateo, United States |
| Employees | ||
| Employees | 317 larger | 37 |
| Industry | ||
| Industry | Financial Services, Fintech | Finance, Financial Services, Platforms |
| Funding Stage | ||
| Funding Stage | Debt Financing | Debt Financing |
| Total Funding | ||
| Total Funding | $448.50M | $415.30M |
| Funding Rounds | ||
| Funding Rounds | 8 | 3 |
| Services | ||
| Services | Embedded Finance Solutions, Merchant Funding, Capital Platform, Funding Customization | Not tracked yet |
| Target Customers | ||
| Target Customers | SMBs, Merchants, Platform Partners, Global Businesses | Not tracked yet |
| Taxonomy | ||
| Taxonomy | Embedded Finance, SME Finance, FinTech, Business Growth, Business Finance, Financial Inclusion, Revenue-Based Finance, Business Cash Advance, Merchant Cash Advance, API-driven Architecture, Platform Partnerships, Vertical SaaS, Marketplaces, Payment Processors, Merchant Ecosystems | FinTech, BNPL, Recurring Revenue, Predictive Pricing, Buy Now Pay Later, Non-dilutive Capital, Venture Capital, Fixed Income, Revenue-based Financing, Procurement Process |
| Website | ||
| Website | liberis.com | ratiotech.com |
About Liberis
Liberis, founded in 2007 and headquartered in the United Kingdom, is a promising player in the Financial Services and Fintech industries. The company positions itself as a crucial embedded finance partner for platforms such as vertical SaaS providers, marketplaces, payment processors, and payment co...
About Ratio
Ratio is a Finance and Financial Services startup, founded in 2021 and headquartered in the United States. The company's slogan, "Innovative BNPL for B2B and SaaS. Win Faster and Get Up to 100% of the TCV UpFront. Increase Sales Velocity NOW!" encapsulates its mission to revolutionize financing, pay...
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Funding, hiring, leadership and stack changes at Liberis and Ratio — by email.
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Compiled from the BounceWatch company index. We last looked at Liberis on 1 Jul 2026, and Ratio on 12 Sep 2024. Where a field is blank here, it means we have not recorded it — not that the answer is zero. How we source and date this.