How It Works  

How It Works

How it works

Liquid Finance’s primary financial services product is the Merchant Cash Advance. A factoring related method of providing small businesses with funding through the forward purchase of their credit and debit card receipts.

Advances are based on a customer’s historic monthly card turnover and repayment is through a daily percentage (typically less than 20%) of card takings.

Approval is usually provided in less than 7 days; with over 90% of applications being approved. There is no fixed final repayment date, repayment is made via the agreed daily % of card takings. Therefore Liquid Finance only gets paid when our client gets paid.

Merchant Cash Advances are often used as a complementary source of finance, alongside a traditional, longer term, bank loan or in support of equipment leasing.

Funds are often used to cover the soft costs associated with the refurbishment of premises, stock purchases for retailers, business expansion investments and many other growth opportunities.

Payback - Payments



There are over 4.5 million small and medium-sized enterprises (SMEs) in the UK, accounting for some 60% of private sector employment and almost half of the total turnover of private sector businesses; their success, flexibility and adaptability are crucial to the strength of the UK economy as a whole.