Liberis has introduced its first Buy Now, Pay Later solution in the United States, branding the new service as Pay with Liberis. The product is being rolled out through a partnership with Vagaro, a leading business management platform for the beauty, wellness, and fitness industries.
How the new financing option works
Vagaro’s customers can select the “Capital for Hardware” option at checkout. The service provides loans ranging from $500 to $10,000, though the initial phase caps each loan at $3,000. Funds are transferred directly to the platform, which then disburses the money to merchants for equipment or other qualifying purchases.
Repayment is tied to a fixed percentage of the merchant’s daily revenue, eliminating the need for a separate payment schedule. The arrangement does not impose early‑payment penalties, and borrowers can monitor their balances and download statements through a dashboard embedded in the software.
Strategic fit for both companies
Rob Fairfield, chief executive of Liberis, said small businesses in the beauty, health and wellness sectors face “specific funding issues that require specialised support.” He added that the collaboration aims to deliver “hand‑crafted solutions” that help businesses grow.
Kerry Melchior, chief operating officer of Vagaro, noted that the partnership allows the software firm to “prioritise our customers’ needs” and strengthen its commitment to the merchant community.
Both firms stress that the financing tool is part of a broader ecosystem of offerings. In addition to the hardware loans, the platform includes other Liberis‑powered products, such as Vagaro Capital.
The rollout is limited to the United States.
Expansion into additional markets is slated for 2026.
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From a broader perspective, the emergence of embedded finance products like this reflects a shift toward integrating credit directly into business software. By embedding loan terms into everyday transactions, providers hope to reduce friction and make financing feel like a natural extension of the purchase process rather than a separate hurdle.
Since its founding in 2007, Liberis has supplied more than 50,000 small businesses with over $3 billion in funding. The company describes itself as technology‑driven, using data insights to tailor financial products to the real‑time needs of its partners.
The platform markets itself as a “leading business management solution” for the beauty, wellness and fitness industries, serving hundreds of thousands of professionals worldwide. Its software includes tools for appointment scheduling, payment processing and client acquisition, all aimed at helping small operators scale their operations.
Industry observers note that the success of such partnerships often hinges on the ability to accurately assess risk and automate underwriting. Integration of data analytics into the loan approval process is intended to streamline approvals and keep costs low for lenders and borrowers.
For merchants who adopt the new service, the immediate benefit is access to capital without the delay of traditional bank loans. The payment‑as‑revenue model means that repayments adjust automatically to business performance, potentially easing cash‑flow pressures during slower periods.
Critics caution that tying repayments to daily revenue could amplify financial strain if sales dip unexpectedly. However, the product’s design includes safeguards such as the absence of early‑payment penalties and transparent reporting through the dashboard.
As the partnership moves forward, both companies say they will monitor merchant feedback closely and refine the offering. The next phase may involve higher loan caps and additional financing categories, depending on market response.
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