UK: Vagaro Capital Help & FAQ

Vagaro is partnering with Liberis, a leading global embedded finance platform, to launch Vagaro Capital. You can contact Liberis at 02 0369 99950.

Unlike a loan with an interest rate, late fees, and early repayment penalties, Vagaro Capital is not a loan and offers capital at an upfront cost. Payment plans are flexible, based on your future earnings/revenue, and no late fees or early payment penalties exist. However, you will be expected to operate your business in a way that ensures Liberis receives a minimum monthly amount of up to 3% of the total amount owed to Liberis.

No. A Cash Advance is an unsecured type of finance. Unlike traditional lines, no collateral is taken.

Liberis will perform a soft credit check before accepting your application. Applying for funding won’t affect your credit score however taking out a cash advance may impact your credit profile.

Yes. You can choose the amount of advance you would like and the percentage of future revenue you would like to pay toward the advance. This determines the fixed fee and the overall amount you will pay.

Your processing volume, and other factors, determine the eligible cash advance offer over the past 30 days. The more you process, the larger the offer.

Yes, anyone with their own Vagaro merchant account can get funding.

Vagaro Capital is only available in the US, Canada, and UK.

You may be eligible to fund a second location. Please contact Liberis for more information.

You can also view your application status from the Vagaro Capital Settings page:

You will also receive an email from Liberis if your funding is approved or denied.

Depends. You may receive another offer three months after your application is denied.

Please contact Liberis for questions about your application. Go to the Vagaro Capital Settings page for the contact information.

Yes. Businesses that have paid 50 to 100% of their funding may be eligible for renewal. You will receive a notification in your Notification Panel when you're eligible.

You will be expected to operate your business in a way that ensures Liberis receives a minimum monthly amount of up to 3% of the total amount owed to Liberis. This will be set out in your agreement with Liberis.

There is no interest accrued with Vagaro Capital, just a fixed fee.

No, Vagaro Capital is not a loan. There is no fixed term. However, you will be expected to operate your business in a way that ensures Liberis receives a minimum monthly amount of up to 3% of the total amount owed to Liberis.

After you receive your cash advance, Vagaro Capital automatically withdraws the daily split that was agreed upon with Liberis. The split is calculated based on the daily credit/debit card transactions from customers, meaning that payments will fluctuate depending on your daily credit/debit card earnings.

No, there are no additional fees for late payments. If you can't accept payment for seven days or more, please let us know.

No, the agreed-upon split percentage taken from each card transaction cannot be changed.

If a Booth Renter with an outstanding payment moves to another Vagaro business, they can transfer their employee information (and Vagaro Capital balance) to the other business. If they are not leaving for another Vagaro business, the employee will still need to make payments toward their funding.

You can review a Vagaro Capital Report from your Merchant Account. To get to the Capital Report:

No, we ask you to stay with your current provider for the duration of your advance.

No, you must pay off your Vagaro Capital balance before cancelling your Vagaro subscription or deactivating Vagaro Credit Card Processing.

If you are struggling to meet payments, please contact Vagaro support. We will always carefully consider the needs of our customers on an individual basis.