Flatpay Capital: Approval and funding

The review process

Once you've submitted your application and signed your agreement, Liberis begins their underwriting review. This involves verifying your business details, assessing your financial profile, and running standard credit bureau checks.

How long does approval take?

Most applications receive a decision within 5–8 business days. You'll be notified by email as soon as a decision is made, and the Capital section of your Flatpay dashboard will reflect the updated status.

Multiple business owners: If your business has more than one ultimate beneficial owner, all UBOs must sign their personal guarantee before the review can begin. Make sure all signatories complete this step promptly to avoid delays.

When will the money arrive?

After approval, funding typically arrives within 5–8 business days. Larger deals that require additional documentation or review may take a little longer.

Typical timeline

1. Day 1: Application submitted and signed
2. Days 2–3: Documents uploaded (if requested)
3. Days 2–4: Liberis completes their review and approves
4. Days 5–8: Funds land in your business bank account

Once your funds have been issued, repayments begin from the following day. You can track everything in the Capital section of your Flatpay dashboard.

Tracking your application

You can check the current status of your application at any time by logging into your Flatpay dashboard and navigating to the Capital section. The status will update automatically at each stage of the process.

If you have questions about a specific delay or want an update, our support team can look into the details for you — just get in touch.

Waiting longer than expected? 

Contact our support team with your business name and we'll check where things are in the process and give you an update.