The firm, led by chairman Adrian Fawcett (former Punch Taverns chief operating officer) and CEO Paul Mildenstein, provides unsecured lending from £2,500 to £350,000, with repayments agreed via a share of future credit and debit card payments.
Bigger deals are possible - Liberis advanced £720,000 to support the acquisition by Parity Bars (formerly Varsity Bars) of 18 former Bramwell sites from administration in December.
Fawcett said BCAs are an ideal way for hospitality business to finance projects and developments.
Among Liberis's existing customers, their advances have been used in the following ways: 24% for refurbs; 21% for new equipment; 19% for new stock; 12% for cash-flow; and 8% for expansion.