Deliveroo has launched Deliveroo Capital in the UK, a merchant funding product powered by Liberis. Restaurants on the platform can access pre-approved funding offers directly within the Deliveroo Partner Hub, with repayments collected as a fixed percentage of future Deliveroo sales. The product went live in January and is expanding to thousands more eligible UK businesses during Q1 2026.
With this, Deliveroo joins a growing list of food delivery platforms that offer embedded lending to their restaurant partners. Wolt runs Wolt Capital with finmid (EFR Podcast), and Bolt Food also uses finmid across European markets (EFR). Delivery Hero offers financing through Glovo with finmid (EFR). Just Eat Takeaway works with Banxware for Lieferando in Germany and with finmid in other markets.
How embedded lending works for Deliveroo restaurant partners
Eligibility is assessed using Deliveroo platform data combined with Liberis' underwriting, so merchants don't need to apply. Pre-approved offers appear inside the same dashboard they use to manage orders and daily operations. This pre-approval approach is becoming standard in embedded lending: rather than waiting for merchants to seek financing, platforms proactively surface offers to attract businesses that might not consider themselves eligible for funding. Repayments flex with trading performance, meaning quieter periods result in lower repayments while stronger sales clear the balance faster.
DoorDash expands embedded lending to Europe through Deliveroo
What makes this interesting is the DoorDash connection. Deliveroo was acquired by DoorDash in October 2025 for $3.9 billion. DoorDash has been running DoorDash Capital in the US since 2022, powered by Parafin. But Parafin only operates in the US, so for its European acquisitions, DoorDash had to source local infrastructure partners. Wolt, which DoorDash also owns, works with Berlin-based finmid across 30 European markets. Now Deliveroo is launching with Liberis. Rather than forcing a single lending stack across its portfolio, DoorDash appears to be choosing specific partners for each brand.
Liberis wins a high-profile deal in a competitive European market
The choice of Liberis is somewhat surprising. The company has been relatively quiet recently compared to providers like YouLend, Banxware, and finmid, which have been more visibly active in European embedded lending. Nevertheless, Liberis works with over 40 partners globally, including Klarna, eBay, and Worldpay, and has funded more than $1 billion for SMEs. Deliveroo Capital marks one of its more high-profile European launches in a while.
