Liquid Finance Limited is a UK-based alternative finance provider established in 2011. It specialises in merchant cash advances designed for small and medium-sized enterprises that take card payments. This lender offers a lump sum upfront which is repaid as a fixed percentage of daily card turnover, making repayments flexible and tied to revenue. The company’s merchant cash advance products fall outside FCA regulation but it operates as a UK-registered entity adhering to industry best practices. This option might suit retail, hospitality, and service businesses seeking short-term working capital solutions. More information about alternative finance loans and working capital loans can provide broader context.
Key Features of Liquid Finance Limited
The lender focuses on providing flexible, revenue-linked financing with prompt funding. Its approach includes several features tailored to businesses that process card payments, with minimal upfront fees and an automated repayment mechanism.
- Fast online application with approvals in as little as 24 hours; see our quick business finance guide.
- Funding released typically within one business day after agreement signing, streamlining access to cash.
- Repayments adjust automatically with card takings through an integrated merchant acquirer system; learn more about cash flow management.
- No asset security needed as loans are unsecured, relying on future card receipts as de facto security; see unsecured working capital loans.
- Options for repeat advances or top-ups once part of the original advance is repaid, supporting ongoing funding needs.
Funding Eligibility
You may qualify for finance if your business is UK-registered and has at least six months of trading history with regular card transaction volumes. A minimum monthly card turnover of about £5,000 is usually required. Eligible entities include limited companies, LLPs, partnerships, or sole traders. Some business sectors may be excluded due to card scheme rules, such as adult entertainment or gambling. No physical collateral is needed, but a personal guarantee from directors or owners is generally required. For specifics, refer to our business loan eligibility guide and business plan tools.
Loan Options Available
Liquid Finance Limited offers two main loan types, both tailored to short-term flexibility and revenue-linked repayments using card takings data.
- Merchant Cash Advance: Loans range from £5,000 to £500,000, typically repaid over 3 to 12 months. Repayments vary with daily card revenues. The factor rate ranges from 1.10 to 1.35, comprising the total cost without a formal APR quote. This product is ideal for businesses with a minimum of six months of trading and £5,000 monthly card turnover. Visit our merchant cash advance loans page for details.
- Top-Up / Renewal Advance: Available to existing customers who have repaid at least 50% of their current advance. Loan amounts can reach up to the size of the original facility, with terms aligned to the original advance duration. New factor rates apply, typically between 1.08 and 1.25. This option allows fast access to additional funds while maintaining flexible repayment linked to card sales. See our merchant cash advance loans overview for more.
How to Apply
The application process is designed for efficiency, with most steps conducted online and a quick turnaround for decisions. Applicants must be prepared to submit financial documentation for review and to sign agreements electronically.
- Submit an online enquiry form as the initial step; learn about the process in our application form resource.
- Provide recent business documentation including 3–6 months of merchant card statements, business bank statements, and director identification for credit checks.
- Receive a decision typically within 24 hours after submitting statements; timely approval supports rapid access to funds.
- Sign agreements electronically and receive funding usually within one business day; see our business loan calculator for estimating costs.
Funding Agent's Review of Liquid Finance Limited
Liquid Finance Limited occupies a specific niche in UK finance, with its merchant cash advance product suited for card-taking SMEs needing short-term, flexible capital. The revenue-linked repayment structure can ease cash flow pressures for eligible businesses. However, the absence of FCA regulation means fewer borrower protections, and costs may be higher than traditional secured loans. It is less suitable for firms seeking long-term or asset-secured finance. To explore further, use our loan comparison tools and check your business funding eligibility.
