Liberis, a leading global embedded finance provider, has today announced the U.S. launch of its new Buy Now, Pay Later product, Pay with Liberis.  
Vagaro, a leading business management platform for the beauty, wellness, and fitness industries, is the first of Liberis’ strategic partners to adopt the new product – which will be offered to their customers as Capital for Hardware.  

Vagaro’s users can now purchase products or services at checkout and pay through a fixed percentage of future revenue, solving one of SMBs most persistent challenges.   

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.