Flatpay Capital: What is it?

⚠️ Flatpay Capital is currently only available in Finland and Denmark.

Overview

Flatpay Capital is a flexible business funding solution available to eligible Flatpay merchants. It gives you quick access to working capital, without lengthy applications, rigid repayment schedules, or the barriers that often come with traditional bank lending.

Finland: Once approved, funds land directly in your business bank account. Repayment then happens automatically as a percentage of your daily card revenues, so the pace of repayment flexes naturally with your business.

Denmark: Once approved, funds land directly in your business bank account. Repayment then happens automatically as a fixed weekly amount, withdrawn every Wednesday via direct debit — so you always know exactly what's coming out and when.

How it works

Your Capital offer is based on your card transactions volume. Once eligible, a personalised offer will appear directly in your Flatpay dashboard. If you choose to apply, the process is simple, fast, and handled entirely within your Flatpay dashboard.

What you can use it for

You're in control of how you invest in your business. Common uses include:

• Stocking up on inventory
• Renovating or upgrading your premises
• Hiring staff or covering payroll
• Expanding your marketing efforts
• Managing cash flow during quieter periods

It's not a loan

Flatpay Capital is a cash advance, not a loan. This is an important distinction. There is no interest rate, only a single fixed fee, calculated and shown to you before you sign anything. You'll always know the full amount you need to repay from day one, with no hidden charges.

Powered by Liberis

Flatpay Capital is delivered in partnership with Liberis, a specialist business finance provider. You'll manage everything — applying, tracking your balance, and viewing repayments — through your Flatpay dashboard. Liberis works in the background to make the funding possible.

Interested in Capital? If you're eligible, you'll see an offer in your Flatpay dashboard. Not sure if you qualify? See our article on eligibility, or contact our support team: we're happy to help.