Liberis, a leading global embedded finance provider, has launched its first U.S. Buy Now, Pay Later (BNPL) product — Pay with Liberis — in partnership with Vagaro, the top business management platform for the beauty, wellness, and fitness industries.
The new product offers flexible financing directly at checkout, empowering small and medium-sized businesses to access funding at the point of need.
Through this partnership, Vagaro’s customers can now purchase hardware or services upfront and repay via a fixed percentage of future revenue, easing cash-flow constraints and driving growth.
Pay with Liberis delivers a smarter way for SMBs to invest in their business — aligning repayments with actual performance and enabling sustainable expansion.
This launch establishes Liberis at the forefront of embedded finance innovation, with Liberis and Vagaro collaborating closely on the creation of Pay with Liberis to ensure it was suitable to solve the financing pain points of Vagaro’s users.
“Small businesses must navigate a fragmented financing landscape, and businesses within the beauty, health and wellness industries face specific funding issues that require specialised support” says Rob Fairfield, CEO of Liberis. “With Pay with Liberis, we are now able to offer seamless embedded finance offerings that are not only hand-crafted solutions, but actually accelerate growth, as we lead the way in building definitive funding ecosystems.”
Bespoke offerings for beauty, health and wellness SMBs:
Within Vagaro’s platform, Pay with Liberis will be offered to customers as Capital for Hardware, and will offer financing for SMBs from $500 and up to $10,000, although Vagaro’s initial rollout will be capped at $3,000.
Pay with Liberis is integrated seamlessly into Vagaro’s checkout process, with merchants able to finance hardware and similar purchases at checkout with funds disbursed directly to Vagaro. Customers can benefit immensely from this integration, with payments automatically split from daily revenue, and no early payment penalties. This product also serves as a gateway to Vagaro’s other financial offerings powered by Liberis, such as Vagaro Capital.
Pay with Liberis expands SMB access to growth enabling tools, such as marketing spend and POS hardware, all whilst customers can track repayments and download statements via their dashboard.
“When accessing financial services, we want to help our merchants achieve success and remove some of the obstacles they face,” says Kerry Melchior, COO of Vagaro. “Collaborating closely with Liberis on Capital for Hardware, we have been able to prioritise our customers’ needs and reinforce our commitment to supporting our merchant community.”
Pay with Liberis is now live in the U.S. with plans for expansion into other markets over the course of 2026.
