Liberis and Paytrail Partner to Offer Revenue-Based Financing in Finland

In a landmark collaboration aimed at transforming the financial landscape for small and medium-sized businesses (SMBs) in Finland, Liberis and Paytrail have joined forces. Liberis, a global embedded finance platform, and Paytrail, a Finnish online payment service provider, have introduced Paytrail Financing, a service offering revenue-based financing through an effortless 4-click process. This initiative is set to democratize access to funding for Finnish SMBs, allowing them to secure much-needed capital within 24 hours. The innovative structure ensures that repayments align with the flow of their revenue, offering a flexibility that is particularly beneficial in the fluctuating market environment small businesses often encounter.

The collaboration features prominent figures like Rob Straathof, CEO of Liberis, and Joni Rautanen, COO of Paytrail. Both leaders emphasized the strategic significance and potential impact of this partnership. Straathof reiterated Liberis’ mission to provide swift and flexible funding solutions to help small enterprises seize short-term growth opportunities. On the other hand, Rautanen pointed out how this partnership could provide SMBs with crucial and timely support to scale their operations effectively. This initiative not only aims to foster business growth but also to ensure that small businesses have the financial resilience to withstand economic fluctuations.

Liberis: Empowering Small Businesses Globally

A Proven Track Record

Founded in 2007, Liberis has been at the forefront of creating flexible embedded finance solutions designed to empower small businesses. Over the years, the company has established itself as a global leader, boasting over 20 strategic partnerships and direct access to more than one million small businesses worldwide. This extensive network enables Liberis to deliver tailored financial solutions that meet the unique needs of their clients, ensuring business vitality and sustainability. To date, Liberis has disbursed over $1 billion in funding through more than 60,000 transactions. This impressive feat has significantly contributed to the creation and preservation of over 100,000 jobs globally, underscoring Liberis’ commitment to fostering economic stability and growth.

Flexible Financing Model

Liberis’ financing model is notably distinctive, based on receivables finance rather than traditional loans. This model requires an underwriting process before funds are disbursed, ensuring that the financing solutions provided are both prudent and beneficial for the businesses involved. The appeal of this model lies in its flexibility; businesses repay the funding based on their revenue flow, which means repayments are made only when their customers pay them. This adaptive approach to financing is particularly advantageous for SMBs, which often face unpredictable revenue streams. By aligning repayment schedules with revenue, Liberis mitigates the financial strain on businesses, enabling them to manage their finances more effectively while focusing on growth and development.

Paytrail: Facilitating Seamless Online Payments

Streamlined Payment Solutions

Paytrail has earned a reputation as a leading online payment service provider in Finland, known for its user-friendly platform that facilitates seamless transactions. By integrating a variety of payment methods, Paytrail ensures that businesses can cater to a diverse customer base, thereby boosting sales and enhancing customer satisfaction. The introduction of Paytrail Financing through their collaboration with Liberis marks a significant expansion of their service offerings. This new feature is designed to provide SMBs with easy access to financing, thereby addressing one of the critical challenges faced by small businesses: liquidity. With the streamlined 4-click process, SMBs can obtain the funds they need to invest in growth opportunities without the hassle of navigating cumbersome traditional financing procedures.

Supporting Business Growth

Joni Rautanen, COO of Paytrail, has highlighted the potential of this initiative to provide essential and timely support to SMBs across Finland. By offering a financing solution that aligns with businesses’ revenue flow, Paytrail Financing ensures that companies only repay when their customers pay them. This alignment minimizes the risk of financial strain and allows businesses to maintain operational stability even during periods of fluctuating income. The partnership’s timing is particularly astute, given the growing recognition of the importance of flexible financial products in fostering business resilience. As the economic landscape continues to evolve, initiatives like Paytrail Financing represent vital tools for SMBs to adapt, thrive, and secure their position in the market.

The Future of Embedded Financial Solutions

Democratizing Access to Finance

The partnership between Liberis and Paytrail exemplifies a broader trend towards embedding financial solutions within digital platforms to support the financial health and growth of small businesses. By making revenue-based financing more accessible to Finnish SMBs, this initiative democratizes access to capital, ensuring that businesses of all sizes have the opportunity to thrive. The ease and speed with which funds can be accessed—within just 24 hours—equips businesses to respond swiftly to emerging opportunities and challenges. As more small businesses adopt these flexible financial solutions, the overall economic landscape can benefit from increased innovation, job creation, and sustainability.

A Growing Consensus

In a pioneering partnership designed to revolutionize the financial scene for small and medium-sized businesses (SMBs) in Finland, Liberis and Paytrail have teamed up. Liberis, known for its global embedded finance solutions, and Paytrail, a Finnish online payment service provider, have launched Paytrail Financing. This service provides revenue-based financing through a seamless 4-click process, enabling Finnish SMBs to access essential capital within just 24 hours. The repayment model is tailored to align with revenue flow, offering substantial flexibility that is vital for small businesses navigating unpredictable markets.

Key figures in this collaboration include Rob Straathof, CEO of Liberis, and Joni Rautanen, COO of Paytrail. Both leaders underscored the strategic importance and transformative potential of their partnership. Straathof reiterated Liberis’ mission to deliver rapid and adaptable funding solutions to empower small enterprises to seize short-term growth opportunities. Meanwhile, Rautanen highlighted the partnership’s ability to offer timely and essential support to help SMBs scale their operations efficiently. This initiative not only aims to stimulate business growth but also to ensure that small businesses are financially equipped to endure economic volatility.

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