Liberis has collaborated with Deliveroo to introduce Deliveroo Capital, a financial solution designed to provide working capital to food businesses that are active on the Deliveroo platform in the United Kingdom.
This initiative was launched in January 2026. Following its initial deployment, both companies are progressively expanding access throughout the first quarter of 2026 to benefit thousands more eligible UK merchants.
Flexible Payment Structure Tailored to Cash Flow Needs
Eligibility is determined using a combination of Deliveroo platform data and Liberis’ credit criteria, ensuring that decisions are based on the actual trading performance. Businesses notified in their Deliveroo Partner Hub can then explore and utilize this funding.
Repayment amounts are collected as a fixed percentage of sales processed through the Deliveroo platform. Payment terms adjust according to business performance, allowing restaurants to manage cash flow during slower periods while repaying more quickly when sales improve.
In discussing this initiative, Rob Fairfield, CEO at Liberis, highlighted that restaurant operations are tightly linked with immediate financial considerations due to narrow profit margins. Traditional lending methods may not accurately reflect the dynamics of how hospitality businesses operate. By integrating finance into the Deliveroo platform, funding can be obtained as needed.
Rob Harris, Chief Revenue Officer and Vice President of Merchants at Deliveroo, further emphasized that restaurants must regularly balance operational demands with growth aspirations. The partnership with Liberis provides a practical and accessible solution for these businesses, promising to support the industry through various services in the future.
Revenue-Based Financing within Platform Ecosystems
Liberis operates an embedded finance platform that offers revenue-based financing to small and medium-sized enterprises through partnerships with payment processors, e-commerce platforms, and point-of-sale providers. The company leverages transaction data from partner platforms to assess creditworthiness and tailor repayment terms.
This revenue-based model collects repayments as a percentage of ongoing sales rather than fixed monthly installments. Such an approach ensures that repayment obligations are aligned with business performance, minimizing risk during downturns while speeding up repayments when trading is robust.
Deliveroo operates a food delivery platform that connects restaurants with consumers across the United Kingdom, Ireland, France, Italy, Belgium, the Netherlands, Hong Kong, Singapore, the United Arab Emirates, and Kuwait.
The hospitality sector commonly faces cash flow difficulties owing to thin profit margins, seasonal demand fluctuations, and increasing costs associated with food, labor, and energy. Conventional business lending often necessitates extensive documentation, collateral, and prolonged application processes that are not always suitable for small restaurant operations.
This partnership is part of a long-term strategy aimed at gradually expanding access to more businesses over time.
