Traditional private credit and venture debt markets are hampered by slow, manual processes and subjective risk assessment, leaving growth-stage companies waiting weeks or months for funding decisions and missing critical opportunities. Liquidity, the global AI-powered private credit firm, addresses these challenges through its proprietary, AI-driven platform that automates and optimises every stage of the credit process. This enables the firm to issue term sheets in as little as 24 hours — far faster than the industry average of 6–12 weeks — while maintaining a default rate under 1%, compared to an industry norm of 5%.
Yesterday, Liquidity launched its European headquarters in London and pledged to invest more than £1.5 billion in the UK innovation ecosystem over the next five years. This move signals confidence in British tech and a bold vision for the future of growth-stage finance, arriving amid a broader UK fintech investment surge that saw funding nearly triple to $7.3 billion in H1 2024.
Liquidity’s technology ingests and analyses vast quantities of financial data, benchmarks company performance, and predicts future cash flows and revenues with over 94% accuracy. Its machine learning algorithms provide real-time portfolio monitoring, flagging potential defaults up to six months in advance. This data-driven approach allows Liquidity to deploy capital at scale, supporting more deals with a lean origination team and robust R&D and data science staff.
Notably, the AI-driven private credit sector is poised to finance over $1.8 trillion in global AI infrastructure by 2030, with data centres and energy grids demanding innovative funding solutions.
Since entering the UK, Liquidity has invested over £350 million in 12 companies, including well-known names like SumUp, which recently secured a $1.6 billion private credit deal, Butternut Box, and HungryPanda. Globally, it has deployed more than $1.5 billion into high-growth technology companies across B2B, consumer, and fintech sectors.
Founders, leadership, and global footprint of Liquidity
Liquidity was co-founded by CEO Ron Daniel, a serial entrepreneur with over 25 years of experience in media, technology, and finance. Daniel’s previous ventures include The Karaoke Channel (acquired in 2008), PlanetSoho, and a leadership role at Kenshoo. He is recognised for building technology-driven businesses that solve real-world financial challenges.
The leadership team brings together expertise from global banking, venture capital, data science, engineering, and law, with key figures such as Niklas Von Kuczkowski (ex-Deutsche Bank, HSBC), Neta Kupferschmied (startup innovation), Lei (cloud DevOps, machine learning), Ricardo Beck (venture capital, Rocket Internet), and Ran Gersht (ex-J.P. Morgan, eBay, Entree Capital).
Liquidity operates globally, with offices in London, New York, Singapore, Tel-Aviv, Abu Dhabi, and San Francisco. Its growth equity arm in Singapore focuses on North America, Asia-Pacific, Europe, and the Middle East.
UK operations: New Soho hub and growth plans
Liquidity’s new 5,000-square-foot office at 127 Charing Cross Road in Soho will serve as the operational hub for a growing team of 14 investment professionals. The London base is expected to generate direct and indirect jobs and further embed Liquidity in the UK’s vibrant innovation ecosystem.
The launch was announced by Prime Minister Keir Starmer at London Tech Week, who called it a “vote of confidence” in the UK’s tech sector. Secretary of State for Science, Innovation and Technology Peter Kyle echoed this, stating that Liquidity’s plans “represent a huge vote of confidence both in our AI sector and in the steps we’re taking to make the UK a world-leading AI hub.” Liquidity’s investment is set to create new jobs and open new avenues for UK companies to scale and realise their ambitions.
Liquidity’s financial backing, technological achievements, and market position
Liquidity is backed by leading global financial institutions, including Japan’s largest bank, MUFG, Apollo Global Management, Spark Capital, and Meitav Dash. The firm’s patented machine learning and decision science technology enables it to deploy more capital through more deals, faster than any other firm in capital markets history, establishing Liquidity as the fastest-growing provider of credit and equity financing to mid-market and late-stage companies.
Liquidity’s approach transforms how capital is deployed and sets new standards for speed, transparency, and risk management in private credit markets. Its track record, global reach, and technological sophistication position it as a key player in the evolution of growth-stage finance, particularly as global speculative-grade debt maturities are projected to quadruple to $1.1 trillion by 2028, intensifying demand for agile lenders.
