Liquid Capital Corporation

What Liquid Capital Corporation does

Liquid Capital Corporation is a Toronto-headquartered, privately held alternative business funding provider founded in 1999 and operating across North America through a network of locally-owned Principal Offices and a Canadian/U.S. corporate presence (Liquid Capital Enterprises Corp. in Ontario and a U.S. branch in Texas). The company delivers working-capital solutions ranging from $20,000 to $20 million per funding to small, medium and emerging middle-market businesses that sell to other businesses on credit terms but are underserved by traditional banks.

The core product set spans invoice factoring (advancing 80%+ of accounts receivable value), asset-based lending secured by receivables, inventory, equipment and real estate (up to $20 million), purchase order and purchase financing, equipment financing and leasing, working-capital advances, top-up financing, and an Administrative Services Bundle covering credit review, collections and reporting through an online client portal. Adjacent offerings include international factoring, export/import factoring, invoice discounting, inventory financing and letters of credit. The platform is described as a secure online reporting tool exposing accounts-receivable, collections, credit-limit and reserve data to clients.

Revenue is generated transactionally on each funded facility, typically via a percentage-of-invoice fee (e.g., ~2% per 30 days, with tiered escalators past standard terms) and complementary fees on ABL, PO and equipment financings. Go-to-market blends direct Principal-led selling (with Principals acting as owners who participate in fundings and have direct approval authority) with two structured channels: a Referral Partner Program (commercial finance professionals, accountants, advisors) and a Bank Alliance Program (with CIBC, Cornerstone National Bank and an exclusive preferred-vendor relationship with the Illinois Bankers Association). Marketing is content-led via The Growth Hub blog, industry-specific guides, eBooks and case studies. The company is IFA-accredited, BBB-accredited and an SFNet member, and is backed by an undisclosed institutional lender that supplies funding capital.

Name

Liquid Capital Corporation

Legal name

Liquid Capital Enterprises Corp.

Website

https://liquidcapitalcorp.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

251–500 employees

Short description

Liquid Capital Corporation is a North American alternative business funding provider founded in 1999, offering invoice factoring, asset-based lending, purchase order financing, equipment leasing and trade finance to SMB and emerging middle-market B2B companies via a network of locally-owned Principal Offices.

Ownership category

akta.pro rank

Product category

Alternative Business Funding (Trade Finance / Factoring)

NAICS

Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

akta.pro secondary industries

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), Microloans & Working Capital Loans (FSAKAGAA)

Keywords

• Invoice factoring services
• Asset-based lending
• Purchase order financing
• Working capital solutions
• Alternative business funding

Headquarters

HQ city

Toronto

HQ country

Canada

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Invoice Factoring: Purchase of credit-worthy B2B invoices at a discount. Company advances 80% or more of invoice value upfront, with remainder paid minus fees after collection from client. Fees typically charged as percentage of gross invoice amount per time period.
2. Asset-Based Lending (ABL): Customized loans secured by accounts receivable, inventory, equipment, and real estate. Available up to $20 million for businesses with strong credit rating and advanced financial reporting.
3. Purchase Order Financing: Funding for pre-sold finished goods based on quality of purchase orders without drawing on bank line of credit.
4. Equipment Financing and Leasing: Use earnings generated from new equipment to cover monthly payments and additional overhead costs.
5. Working Capital Advance: Cash advance based on expected future revenues of business.
6. International Factoring: Factoring services for international trade transactions with cross-border collections.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Liquid Capital Corporation provides working capital solutions to small and mid-sized businesses through invoice factoring, asset-based lending, purchase order financing, equipment leasing, and working capital advances. The company serves business clients across North America via a decentralized network of local Principals, supplemented by referral and bank alliance channels, and backs the offering with an online client portal for invoice submission and reporting.

Product overview

Liquid Capital Corporation offers a suite of alternative business funding solutions designed for small, medium, and emerging middle-market businesses across North America. The core offerings include Invoice Factoring (converting outstanding B2B invoices into immediate capital with 80%+ advance rates), Asset-Based Lending (ABL up to $20 million secured by receivables, inventory, and equipment), Purchase Order Financing, Purchase Financing Program, Equipment Financing and Leasing, Working Capital Advances, and Top Up Financing. Additional specialized services include International Factoring, Export/Import Factoring, Invoice Discounting, Letters of Credit, and Inventory Financing. The company also provides an integrated administrative services bundle covering accounts receivable processing, credit review, collections, and reporting. Funding amounts range from $20,000 to $20 million per funding, with the company's network of locally-owned Principal Offices delivering personalized service alongside institutional lending backing.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Factoring Advances cash against outstanding accounts receivable, purchasing invoices at a discount and providing immediate working capital to B2B clients with slow-paying customers. Targeted at small and mid-sized businesses needing to accelerate cash flow.
• Asset-Based Lending Provides revolving credit facilities secured by the client's assets (such as receivables, inventory, and equipment), giving B2B clients flexible access to working capital beyond the limits of conventional bank lines.
• Purchase Order Financing Funds the supplier costs required to fulfill confirmed customer purchase orders, enabling B2B clients (such as distributors, wholesalers, and manufacturers) to take on large orders without straining cash flow.
• Equipment Leasing Arranges lease financing for business equipment acquisitions, allowing B2B clients to obtain needed equipment with structured payments rather than upfront capital outlay.
• Working Capital Advance Short-term advances against pending receivables or other collateral to bridge cash flow gaps, with funding decisions available within 24 hours for qualified B2B clients.
• International Factoring Cross-border receivables financing that purchases invoices from B2B clients selling to overseas buyers, providing working capital and reducing collection risk on international accounts receivable.

Quantifiable outcome

• Over $3 Billion in working capital deployed to thousands of companies
• +5 more outcomes

Named customers14 records

Segments10 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered key partner, flagship and core.

• Cornerstone National Bank & Trust Companykey partnerChannel Partner/ Reseller/ Distributor15+ year relationship with Cornerstone National Bank & Trust Company. Liquid Capital provides annual education to bank's business banking colleagues on alternative funding solutions. Bank's staff and clients benefit from Liquid Capital's expertise in alternative financing.
• CIBC (Canadian Imperial Bank of Commerce)key partnerChannel Partner/ Reseller/ DistributorCIBC refers clients to Liquid Capital for alternative financing solutions. CIBC representative noted Liquid Capital demonstrated 'flexibility, professionalism and expertise' exceeding expectations.
• Illinois Bankers Association (IBA)flagshipStrategic or Co-development PartnerExclusive preferred alternative business funding vendor for the IBA. Provides alternative financing solutions to Illinois banks' commercial customers who don't meet traditional lending criteria.
• Commercial Finance ProfessionalscoreChannel Partner/ Reseller/ DistributorReferral Partner Program for commercial finance professionals, BDOs, banker loan officers, accountants, business consultants, financial advisors, and lawyers. Partners refer clients needing working capital solutions between $50K-$20 million.
• Secured Finance Network (SFNet)coreTechnology or IntegrationMember of SFNet, the leading trade association for asset-based lending and factoring professionals. Association provides industry standards, networking, and professional development for alternative lending.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• BlueVine: BlueVine offers invoice factoring and lines of credit to SMBs through a digital-first platform. It competes directly with Liquid Capital's invoice factoring and working capital products, but with an automated rather than Principal-led distribution model.
• Fundbox: Fundbox provides working capital advances and invoice financing to small businesses via a fast, automated application. Comparable to Liquid Capital in target market (SMB cash-flow funding) and product set (advances tied to receivables).
• Triumph Business Capital: Triumph is a North American factoring and working capital provider serving SMB and middle-market trucking and manufacturing clients. Direct head-to-head competitor with Liquid Capital in factoring, ABL, and freight/trucking verticals.
• Capital Plus Financial (C+): Capital Plus Financial is a factoring company providing invoice factoring, ABL, and PO financing to small and mid-sized businesses across multiple industries. Closely mirrors Liquid Capital's product and customer profile.
• AltLine by SouthStar Capital: AltLine/The Southern Bank Company operates a bank-partnership program letting community banks offer ABL and factoring through their branches. Directly comparable to Liquid Capital's Bank Alliance Program in business model.
• Corcentric: Corcentric offers invoice factoring, supply chain finance, and dynamic discounting. Directly comparable to Liquid Capital on factoring and trade finance for B2B working capital.
• RIV Capital / Bibby Financial Services: Bibby Financial Services is a global invoice finance and factoring provider serving SMBs across multiple geographies. Comparable in international factoring scope and SMB focus.

Emerging players

• C2FO: C2FO operates a working capital marketplace providing early-payment and dynamic discounting solutions to businesses worldwide. Comparable in working capital product but uses a marketplace model rather than direct principal-based funding.
• Taulia: Taulia provides supply chain finance and working capital solutions, often integrated into ERP platforms used by large buyers. Adjacent alternative working capital provider competing for similar SMB and mid-market financing needs.

Broad incumbents

• Citi Commercial Bank: Citi's commercial bank offers working capital, supply chain finance, factoring, and trade finance to mid-market and large corporate clients. A broad incumbent across the same working capital category but at much larger ticket sizes.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/liquid_capital
• Facebookfacebook.com/liquid.capital
• LinkedInlinkedin.com/company/liquid-capital

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Liquid Capital Corporation