Is Libertas Funding a direct funder or a broker?

Libertas Funding is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.

What's the minimum revenue Libertas Funding will fund?

Libertas Funding's published floor is $25,000 in average monthly revenue, with 12 months minimum time in business. Credit score floor is 550+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.

How fast can Libertas Funding fund?

Libertas Funding's public speed quote is Funding in 24 – 72 hours after approval. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.

Should I go directly to Libertas Funding or through a broker?

Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Libertas Funding, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.

Libertas Funding Review 2026 — Rates, Terms, Honest Verdict

Best for: Larger MCA advances ($250K-$2M) with custom terms. Amount range: $10,000 – $2,000,000. Speed: Funding in 24 – 72 hours after approval. Below: the rate card, the watch-out, alternatives we'd compare against, and the honest verdict.

TL;DR

Libertas Funding ranks #18 in our 2026 funder ranking. Best for established mid-market merchants ($50k+/mo revenue, 12+ months operating) needing $250k-$2m, who'd otherwise be capped by direct funder limits. The strength: Specializes in larger MCA advances than most competitors — $1M+ deals are routine. The watch-out: Higher minimums ($25K+/mo revenue, 12+ months TIB) exclude smaller operators.

Libertas Funding rate card 2026

Category	MCA specialty
Best for	Larger MCA advances ($250K-$2M) with custom terms
Amount range	$10,000 – $2,000,000
Cost (factor / APR)	Factor varies by deal; typical 1.20 – 1.42
Speed to fund	Funding in 24 – 72 hours after approval
Min time in business	12 months
Min monthly revenue	$25,000
Min credit score	550+

The strength — what Libertas Funding does better than anyone

Specializes in larger MCA advances than most competitors — $1M+ deals are routine. CNBC Select calls them out specifically for 'larger advances' use cases. Customized contract terms for established merchants.

The watch-out — what Libertas Funding doesn't put in marketing

Higher minimums ($25K+/mo revenue, 12+ months TIB) exclude smaller operators. Custom-term deals can include aggressive clauses; have an MCA attorney review contracts over $250K.

Who Libertas Funding is best for

Established mid-market merchants ($50K+/mo revenue, 12+ months operating) needing $250K-$2M, who'd otherwise be capped by direct funder limits.

Who shouldn't apply

Merchants with less than 12 months in business will get an automatic decline — try Accord (3 months) or Greenbox (6 months) instead. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from Libertas Funding actually makes sense.

How Libertas Funding compares to the rest of the top 10

Funder	Category	Cost	Speed
Libertas Funding (this funder)	MCA specialty	Factor varies by deal; typical 1.20 – 1.42	Funding in 24 – 72 hours after approval
Credibly	MCA + multi-product	Factor 1.11+ (MCA); APR varies for term + LOC	As fast as 4 hours
Greenbox Capital	Multi-product	Factor varies; published up to 19% ISO commission	24 – 48 hours
Accord Business Funding	MCA specialty	Factor varies by paper grade (often 1.40+)	Next-day for approved files
Bluevine	LOC	APR 6.2% – 27%	1 – 3 business days
OnDeck	Term + LOC	Term APR 27%+; LOC APR 30%+	Same-day for approved files

What to ask Libertas Funding before signing

"What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
"Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
"What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
"Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.

Frequently asked questions

Is Libertas Funding a direct funder or a broker?: Libertas Funding is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
What's the minimum revenue Libertas Funding will fund?: Libertas Funding's published floor is $25,000 in average monthly revenue, with 12 months minimum time in business. Credit score floor is 550+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
How fast can Libertas Funding fund?: Libertas Funding's public speed quote is Funding in 24 – 72 hours after approval. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
Should I go directly to Libertas Funding or through a broker?: Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Libertas Funding, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
What's Libertas Funding's biggest weakness vs alternatives?: Higher minimums ($25K+/mo revenue, 12+ months TIB) exclude smaller operators. Custom-term deals can include aggressive clauses; have an MCA attorney review contracts over $250K.

Libertas Funding — honest 2026 review.