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“Some days we can put £1,000 through the card machine and on other days it can be £35 - but the payback mirrors this. It really is the perfect funding for us.”Lynette MacArthur
Petals of Oban is an award-winning Interflora florist, providing the full range of floral gifts for all occasions. The business has received seven cash advances from Liberis, which have been used to refurbish the shop, purchase a new delivery vehicle and also give them the funds they need to purchase stock ahead of key times of year such as Mother’s Day or Valentine’s Day.
“We needed a boost in cash reserves not only to absorb the normal business fluctuations but to continue the ongoing upgrade of furniture, fittings and equipment and grow the business in line with demand. Without a business cash advance we would have had very little opportunity to continue improving operations.”Laura Howells, Owner/Manager
Liberis have been supporting the expansion of Foam, a contemporary licensed Café Restaurant situated on the sea wall within the Milford Haven Marina, Pembrokeshire. Outstanding food, service and a stylish interior have earned it top reviews as one of the best eateries in the area known for beautiful views across the waterway.
“The funding has allowed me to really change the face of the practice, from the way it looks to the services and eyewear I provide, creating a very distinctive offer. It’s put me ahead of the game and the business is really benefitting. Plus, there isn’t the stress of fixed repayments because pay back is based on my credit card takings, so it doesn’t hurt if we only have an ‘okay’ month. ”Simon Falk
Simon Falk established his independent optician in 1999, and set out to offer his clients something different to other high street opticians. Although business has been strong, Simon was in need of extra funding to purchase new stock and refurbish his practice, and so he looked to Liberis for support.
“The pay back terms are brilliant because if I have a quieter month, I don’t have to pay as much back.”Laura Buckingham-Brown
The Ivory Wardrobe, a wedding boutique in Buckinghamshire, stocks over 100 wedding gowns and bridesmaids dresses from internationally acclaimed designers. Although their gowns are custom ordered, the purchasing process within the wedding retail sector creates significant cash flow challenges for the business, which Liberis has helped to overcome.
“There’s simply no other funding option which would work as well for my business or even be available to me.”Emma Doggett
The Health and Beauty Rooms in Worthing is a luxury beauty, holistic and day spa offering an extensive range of beauty products and health treatments. Since first approaching us, they’ve received four advances to date – enabling them to buy new equipment, purchase stock and send staff on training courses.
“The Liberis funding has been a great enabler, allowing us to fast-forward our growth. Without it, we’d be a year behind where we are now. It works perfectly for us. There’s more business growth to come and Liberis will continue to play a role in that. We see Liberis’ business cash advance as a part of the solution to get to where we want to be.” Keith Swain, Director
Kenilworth Carpets, based in Warwickshire, provides carpets to customers throughout the UK as well as at star studded events around the world. They wanted funding that would suit their retail sales model, with flexibility to allow for the peaks and troughs in the business. A bank overdraft or credit cards didn’t appeal and they found the banks weren’t “falling over themselves” to help.
“I’d suggest to any business, before going to a bank for funding to give Liberis a call, it’s all worked out fabulously for me.” Chris Whitton
Exotic Palms & Spas Ltd was started 15 years ago by owner Chris Whitton in Gillingham, Kent. With the cash advances from Liberis, Chris has been able to redesign and refit the Exotic Palms & Spas showroom and turn unused space upstairs into offices.
“It’s completely hassle free allowing me to focus on the business and I’ve always cleared my advances within three or four months.” Peter Man
Peter Man has run Chinese Gourmet since 1999 making it one of Guernsey’s longest established take-away restaurants. Peter came across Liberis' business cash advance through Annecto, who supply his card processing terminal. As with much of the island trade, custom is prone to seasonal fluctuations making a business cash advance work well for purchasing stock ready for the high season.
“The repayment system is really flexible so there isn’t the pressure on me and my business that you get with fixed monthly payments. I have used an overdraft and some facilities with the bank, but with Liberis I can borrow more and pay it back as I earn form my card takings gradually. It works a lot better for me!”Bahzad Yad
Since 2013, business owner Bahzad Yad has been running Quick Stop Food & Wine, a convenience store in Vauxhall, London. The pressure of larger chain stores in his area is high, but with the help of several Business Cash Advances Bahzad has managed to stay competitive by refurbishing his store and being smart with stock.
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