Liquidity Club

At Liquidity Club, we are pragmatic in everything we do. It is our intention to change the experience of raising business finance.
ABOUT Liquidity Club

A Brief Overview

We take a consultative approach, working alongside businesses to find the right finance package for their plans and aspirations. Whether you have a working capital requirement, or you want to fund a growth in your business, Liquidity Club can provide a solution.

Our collaboration with the ARMCo group of businesses means that we can quickly access additional solutions for our clients. This means that by working with Liquidity Club, you can access multiple solutions with ease and efficiency.


David Totney

• Lifelong Asset Based Finance lender.
• Previously; Exec-Board Director Lloyds TSB Commercial Finance Ltd, including Alex Lawrie, together the largest and most profitable UK Asset Based Lender at the time.
• ESF PLC: MD, UK and Netherlands, part of the team that secured the first ever ‘new money’ AIM Listing followed by further fund raising and ultimately a Full Listing on the LSE. The first European lender to Securitise its receivables portfolio. Acquired by RBS.

David Totney Headshot

Being an ARMCo. company helps greatly with our breadth of business finance and services solutions.

David Totney

David Totney Headshot

Our Services

Liquidity Club exists to help UK SME’s find the right finance to match their current situation. We work with management to fully understand their business, partnering them with the most appropriate funder, benefiting all parties.

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Fast turnaround

Our experienced team are dedicated to ensuring money is received within days if required.

Everything covered

At Liquidity Club, we only partner with trusted lenders – giving you peace of mind.

Industry experience

Our team has years’ worth of market knowledge and industry insights.

Tailored solutions

We listen to you and your requirements, providing solutions based on your business needs.


All funders contribute equally and are not influenced by commission.

International reach

We have international access to a range of funding solutions.

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The ARMCo. Companies

  • Corporate Tax
  • Finance
  • Insurance
  • Land & Planning
  • Property

Our Client-Centred Core Values


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Partnership of Entrepreneurs

Revolutionary ideas drive growth and our vision is to empower great entrepreneurs and companies to flourish. If you are passionate for business and personal growth, take a long-term view with a team of extraordinary entrepreneurs by your side.