Revenue-based financing and term loans
Libertas Funding review: payments and contract questions
Libertas Funding publishes revenue-based financing and term loans as distinct offerings. Its solutions page identifies WebBank as the issuer of term loans, making the product and creditor names essential starting points for an account review.
By Business Debt Insider · Sources checked
Disclosure: BDI offers business debt consulting and has a commercial interest in this topic. This review assesses the public sources below; it is not a customer testimonial, a rating, or an audit of the company’s results.
What Libertas Funding publishes
- Product types
- Libertas’ solutions page lists revenue-based financing and term loans separately. Source
- Loan issuer
- The same page states that business term loans are issued by WebBank. Source
- Published financing range
- Its homepage advertises $500,000–$10 million in revenue-based financing, with a note that amounts can be as low as $100,000. A specific offer depends on underwriting. Source
A growth-capital proposal needs a downside cash-flow case as well as a funding amount. For a project or acquisition, compare the expected revenue dates with the actual withdrawal dates. A financing schedule can create pressure even when the project itself looks profitable.
Questions to resolve in writing
BDI’s checklist for reviewing your own offer or account:
- Is my proposed transaction a revenue purchase or a WebBank term loan?
- Which entity services the account and can agree to a modification?
- What happens if the financed acquisition or project produces revenue later than forecast?
- What reporting, liens, guarantees, or other financing restrictions appear in the documents?
If payments are becoming difficult
Prepare the original business case and a revised forecast showing the gap between expected and actual receipts. Ask the servicer which modification or revenue-adjustment provisions apply to this product. If several business entities are involved, have your adviser map which entity received funds and which assets or guarantees are included.
Keep the contract, payment ledger, recent statements, notices, and a current cash forecast together. A changed payment, a reconciliation credit, and a reduced-balance settlement are different outcomes. Request the exact terms and any fees in writing.
Use the stack calculator to organize overlapping payments and read about business debt restructuring. If you have received lawsuit papers, seek licensed counsel promptly for the actual response deadline.
Frequently asked questions
- Is a Libertas term loan an MCA?
- The company publishes separate term-loan and revenue-based products. Its solutions page identifies WebBank as the term-loan issuer. Do not apply receivables-purchase terms to a loan without reviewing the agreement.
- Does a large financing amount establish affordability?
- No. Build the payment schedule into a cash forecast using delayed-revenue and lower-margin scenarios as well as the expected case.
Sources and scope
Company pages establish what the company publishes, not independently verified customer outcomes. We did not calculate a complaint rate, typical settlement discount, or customer satisfaction score. Terms can vary by product, state, and agreement date.
For corrections or the review method, see our editorial policy.