Libertas Funding Alternatives: Larger Funding Options (2026)

Last updated: November 2026

Most businesses looking for Libertas Funding alternatives need either a smaller amount, a longer term or a provider with published requirements. Libertas focuses on short-term, revenue-based financing of $500,000 to $10 million (sometimes as low as $100,000) and does not publish minimums or pricing on its site. For similar sizes with published criteria, compare Mulligan Funding (up to $10 million, $750,000+ in annual revenue) and Biz2Credit (up to $2 million or more). For a longer, lower-cost loan, an SBA 7(a) loan goes up to $5 million with working capital terms up to 10 years. Online sellers, wholesalers and other businesses that can connect their sales data may also compare Wayflyer, which advertises up to $20 million. Each option is compared below, checked in November 2026.

What Libertas Funding offers (checked November 2026)

• Products: short-term revenue-based financing, and term loans with a fixed maturity. Its site says business term loans are issued by WebBank.
• Size: $500,000 to $10 million, and in some cases as low as $100,000.
• Speed: underwriting decisions in as little as one business day, according to Libertas.
• Track record: more than $5.0 billion in funding volume since its inception in September 2016.
• How it works with clients: Libertas says it works with each client, and often with the client's existing financial partners, to structure the financing. Its products are directed to U.S. business customers. Its NMLS ID is 1972553.
• Not published: minimum time in business, revenue or credit score, factor rates or fees, and term lengths. Ask for these in writing before you commit.

For a growing business that needs a large, fast, short-term injection of capital, Libertas is a specialist option. The alternatives below are for businesses that need a smaller amount, a longer term or published criteria to compare against.

Who should look beyond Libertas Funding

• Need less than $100,000. Most online lenders work well below that: Forward Financing and Credibly start at $5,000, and Biz2Credit at $25,000.
• Want a longer term or lower cost. Short-term revenue-based financing is usually priced well above long-term debt. SBA 7(a) loans run up to 10 years for working capital, and Rapid Finance and Biz2Credit advertise term loans up to 60 months.
• Want published requirements to compare. Mulligan Funding lists 6 months, $750,000 in annual revenue and a 625 credit score; Biz2Credit lists a 650 score, 12 months and $100,000 a year for its term loans.
• Have assets or receivables to borrow against. Asset-based loans and invoice factoring are sized on collateral rather than future revenue, which can lower the cost.
• Sell online or through retail and wholesale channels. Wayflyer underwrites on connected sales data and advertises $10,000 to $20 million.

Libertas Funding alternatives compared

Option	Published amount	Published minimums	Repayment	Best fit
Mulligan Funding	Up to $10 million	625+ credit score, 6+ months, $750,000+ annual revenue, no more than one daily-debit loan, no open bankruptcies	3 to 24 months	Large short-term needs with published criteria
Biz2Credit	Term loans and revenue-based financing $25,000 to $2 million+	Term loan: 650 credit score, 12 months, $100,000 annual revenue	Term loans 3 to 60 months	Mid-size loans with a longer term
Rapid Finance	Term loans up to $1 million; asset-based loans up to $10 million	Term loan: 650 score, 36 months, $120,000 annual revenue (per NerdWallet)	Term loans 3 to 60 months; asset-based 6 to 36 months	Established businesses with assets
Wayflyer	$10,000 to $20 million	6+ months trading, $10,000+ monthly sales, incorporated in a supported country	Fixed installments or a percentage of revenue, bi-weekly or monthly	Online sellers, wholesalers and other businesses with connected sales data
Kapitus	Line of credit page: financing up to $900,000	2+ years, $250,000 annual revenue, 550 credit score (line of credit page)	Varies by product	Comparing its own products with network offers
SBA 7(a) loan	Up to $5 million	SBA eligibility plus each lender's credit standards	Monthly, up to 10 years for working capital	Lowest cost if you can wait several weeks
Bank or asset-based loan	Based on collateral and financials	Full financials; often 2+ years	Monthly, often over several years	Strong balance sheets and real assets

Short-term revenue-based financing or long-term debt?

Question	Short-term revenue-based financing	SBA, bank or asset-based loan
Speed	Days	Weeks to months
Mainly underwritten on	Revenue and cash flow	Financial statements, credit and collateral
Typical term	Months	Years
Cost	Higher; often a factor rate	Lower; an interest rate
Use it when	A time-sensitive opportunity will earn back the cost quickly	The money funds something with a long payback

Our guide to revenue-based financing explains how remittances work, term loans for business compares bank and online terms, and merchant cash advances versus bank loans walks through the cost difference in detail.

More lender comparisons: Kapitus alternatives and National Funding alternatives. Every guide we publish is sorted by need in our business lender alternatives hub.

How FSE compares options from multiple lenders

Every lender above has its own credit box, and applying to them one at a time takes days and repeats the same paperwork. FSE (Funding Solutions Experts) is an independent commercial finance brokerage that works with 50+ lending partners across working capital, lines of credit, term loans, equipment financing, real estate-backed funding and merchant cash advances. You complete one application, and FSE compares what your business may qualify for across those partners, so you can weigh large revenue-based financing against term loans, SBA loans and asset-based options side by side on total cost, payment schedule and term.

• No fee to you. FSE never charges the business any fee; FSE is paid by commission from its funding partners.
• Minimums. At least 1 year in business and $10,000 or more in monthly revenue.
• No credit check to apply. FSE's application does not ask for your Social Security number and does not pull your credit. An individual lender may check credit later in its own process.
• No promises we cannot keep. Approval, amounts and terms are set by each lender, and no approval is guaranteed.

If your business meets those minimums, you can apply once with FSE and compare offers from multiple lenders.

Frequently asked questions

How much does Libertas Funding offer?

Libertas advertises $500,000 to $10 million in short-term, revenue-based financing, and says amounts can be as low as $100,000.

What are Libertas Funding's requirements?

Libertas does not publish minimum time in business, revenue or credit score on its site. Ask directly, and compare against lenders that publish criteria, such as Mulligan Funding and Biz2Credit.

Who issues Libertas term loans?

Libertas says its business term loans are issued by WebBank.

Is there a cheaper alternative for a large amount?

If you can wait several weeks and have a strong file, an SBA 7(a) loan of up to $5 million or a bank loan usually costs far less than short-term financing. Asset-based loans can also lower the cost when you have receivables, inventory or equipment.

Can I get under $100,000 from a similar provider?

Yes. Forward Financing and Credibly start at $5,000, and Biz2Credit at $25,000.

Sources

• Libertas Funding: homepage (amounts, WebBank, NMLS ID), our solutions (products, decision speed, volume since 2016), about us
• Mulligan Funding; Biz2Credit term loan
• Rapid Finance and the NerdWallet Rapid Finance review (updated May 26, 2026)
• Wayflyer (amounts, eligibility, repayment); Kapitus line of credit
• U.S. Small Business Administration, 7(a) loans

Provider details were checked in November 2026 and change often; confirm current terms with each provider before you apply. Inclusion is not an endorsement and does not mean a provider is part of FSE's network. Brand names belong to their owners; FSE is not affiliated with them.