Liquid Capital

Liquid Capital connects businesses with funding experts across the United States and Canada to help them access the funding advice and working capital solutions they need to grow.


Liquid Capital Advance Corp.

Liquid Capital Advance Corp. is a market leader in Alternative Financing solutions.  We look for alternative ways to help your business grow, not slow it down.

Learn more about the Liquid Capital Advance Corp. team:

Dan Effa


Key government financial programs & business aid

Find out about possible government financial programs and resource options available for your business.


It’s no secret that businesses have seen their fair share of changes in the last few months. As owners, C-levels and managers adapt, it’s a good idea to find all the available financial support and resources at hand. While Liquid Capital can provide much-needed cash flow, this can also be a supplement to other resources, including government grants.

At this time, both the American and Canadian governments are providing some different funding options for small and medium-sized businesses. Here’s a list of some of the highlights below.

USA: Government financial programs

america money

1. SBA: Small Business Guidance and Loan Resources

The Small Business Administration has by far the most comprehensive funding resources available when it comes to seeking financial assistance due to the coronavirus. With content available in 17 different languages, it includes coronavirus funding options, guidance for businesses and employers, as well as information on local assistance, SBA products and resources, and government contracting.

2. Paycheck Protection Program

The SBA is also offering a Paycheck Protection Program, which provides a loan to be used towards keeping your employees and workers on the payroll. The SBA will also forgive the loan, granted it is used for payroll, rent, mortgage interest or utilities. Applications can be completed directly from the SBA website.

3. Economic Injury Disaster Loan Emergency Advance

The SBA is also offering this program with loan advances up to $10,000 of economic relief for businesses that are currently experiencing temporary loss of revenue. Additionally, they have recently revised the eligibility criteria to include agricultural businesses.

4. U.S. Chamber of Commerce: Coronavirus Small Business Survival Guide

The U.S. Chamber of Commerce has compiled a list of resources to help small businesses throughout these uncertain times. With content available ranging from general coverage, information on the federal government’s coronavirus stimulus legislation, small business loans, how to manage employees as well as remote work

5. USA Government: Finance your business

The United States Government has compiled a list of funding sources that they are backing including links for small business loans and other government funding options for your business. This is part of their Coronavirus Aid, Relief, and Economic Security Act.

Canada: Government financial programs

canada money

1. Regional Relief and Recovery Fund 

Offered by the Government of Canada, the Regional Relief and Recovery Fund (RRRF), gives businesses located outside of metropolitan areas access to additional financial resources. $675 million of the near $1 Billion total of the fund will be allocated to help support regional economies. Applications can be completed directly from one of the Regional Development Agencies listed on the page.

2. Government of Canada COVID Benefits Quiz

The Government of Canada will be offering a variety of financial services during the coronavirus pandemic, ranging from the individual to small and big businesses alike. To navigate which option is best suited to you this quiz will point you in the right direction.

3. Relief measures for Indigenous businesses

Additionally, the Canadian government has set up a specific relief fund for Indigenous businesses, which includes up to $40,000 for small and medium-sized businesses. The capital is divided with $30,000 as an interest-free loan and a non-repayable contribution of $10,000. Consult the contact information on the dedicated page for more insights on the application process.

4. Canada Enterprise Emergency Funding Corporation: Large Employer Emergency Financing Facility

This fund was specifically set up for large Canadian employers who need financial assistance due to the pandemic, and will provide loans upwards of $60 million. The minimum annual revenue requirement is $300 million or more, however, businesses in the financial sector are excluded from applying. The applications should be completed by emailing LEEFF-CUGE@cdev.gc.ca to register intent. 

5. Canada Mortgage & Housing Corporation: Canada Emergency Commercial Rent Assistance

The CMHC has set up a rent relief program from those who own commercial properties and have small businesses as tenants who have been affected by the coronavirus. Those eligible for the program will be able to acquire forgivable loans if they agree to reduce the rent by 75% for the months of April, May and June, as well as meet operating expenses on commercial properties. Application can be completed directly through the website.

Additional Resources


Better Business Bureau

Although not specifically for funding options, the BBB does offer a range of helpful business tips on navigating the pandemic — plus information on price gouging and scam alerts. Additionally, they offer a COVID-19 toolkit for both Canadian and American businesses.


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At Liquid Capital, we work with clients who operate businesses in a variety of industries and office structures — whether from busy downtown buildings, the manufacturing floor, on-the-go or from their home office space. We’re business people ourselves, and our company is built on a network of locally owned and operated Principal offices. Whenever you’re talking to Liquid Capital, you’re talking directly to your funding source and a fellow business person.

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Robert Leone

Robert Leone est contrôleur financier pour Liquid Capital WGP Inc. Basé à Montréal, au Québec, il offre un financement de rechange aux PME ayant besoin de fonds de roulement.

M. Leone a 10 ans d’expérience en tant que CPA. Il utilise ses connaissances et son expérience pour aider les PME à réaliser leur plein potentiel. Dévoué et plein de ressources, Robert Leone est toujours disponible pour s’asseoir avec ses clients et
trouver des solutions uniques pour répondre à leurs besoins individuels. Il est fier de pouvoir leur donner un coup de main lorsque les banques ne peuvent pas le faire.

Robert Leone apporte aux propriétaires d’entreprise la tranquillité d’esprit, car ceux-ci savent que Liquid Capital WGP est là pour répondre à leurs besoins de financement!

Newsletter - Robert Leone

Gregory Norris

Greg Norris owns and operates Liquid Capital Advisors Corp, located in Newmarket. Greg provides Ontario business owners with a variety of financing tools to help them more productively grow their business when the bank says ‘NO,’ without having to give up equity.

Greg understands when a business owner is in a cash crunch situation it can be hard on business partner(s), employees, vendors, their families and themselves. Greg is dedicated to providing owners with the money they need to run their business and reduce unproductive stress so they can sleep at night.

Throughout his career, Greg has developed his business acumen and possesses the strong traits necessary to help business owners reduce their financial stress while growing their business. An excellent listener, Greg focuses on fully understanding the issues of every client to match them with the best possible solution for their business challenges. He pairs this with a “get it done” attitude and bottom-line thinking to quickly and efficiently improve the financial situation of his clients so they can sleep at night.

Newsletter - Gregory Norris

Jonathan Brindley CPA, CA

Cash flow is the life blood of any business. Jonathan helps business owners focus on their business rather than their bank balance! He provides alternative financing solutions to help companies grow and prosper.

Jonathan Brindley CPA, CA has a passion for making sure his clients succeed.

He works with small to mid-sized companies that have the capacity to grow but are limited because they don’t have sufficient working capital.

As the owner of Liquid Capital Advance Corp and as a finance leader for the past 25 years he provides growth capital through the funding of accounts receivable and purchase orders with a flexible customer orientated business model.

Jonathan’s clients benefit from his experience and practical approach to offer financial options which really solve their financial problems.

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About Liquid Capital


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Rick Naor

Rick Naor

Personalized service for your financing needs

Rick Naor manages Liquid Capital Source Corporation, located in Toronto, which specializes in helping businesses access working capital through alternative financing products such as receivables financing, import financing, inventory and equipment financing, as well as Asset Based Lending.

Rick is not your average businessman. His personal credo, variety is the spice of life, is represented by a unique combination of academics and business experience. Rick’s Engineering degree and MBA have enabled him to understand the technical and financial complexities associated with today’s business environment, He has held career positions in small business, software development and banking.

As a young man, Rick worked in his family’s manufacturing business. This provided him with first-hand exposure to the financial demands of small enterprises. It was a genuine learning experience – one that helped develop his passion for helping small businesses grow to this very day. After spending some time designing software for a large engineering firm, Rick joined a major financial institution. There, amongst many projects, he worked on integrating competing banks within a large joint venture and developing a Program Management Office

Big or small, businesses rely on professionals to help them grow. Rick goes the distance for his clients – listening to them, assessing their needs and helping them through their challenges. His personalized service helps businesses to grow and prosper.

Rick is married with two daughters. He enjoys family time, is involved in community activities, and makes time for skiing and fitness. Rick’s serves the Greater Toronto Area and beyond and may be reached at 416-966-2206.


«Rick Naor at Liquid Capital has by far been the most hands on and flexible person I’ve worked with in the PO/factor financing space. With the world changing so quickly and a lot of uncertainty, Liquid Capital made our first large transaction possible. His knowledge and attention to detail was invaluable.»

Steve, Arlington Texas, Procurement, logistics and fulfilment company

Newsletter - Rick Naor

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Richard Iacobelli

Richard (Rick) Iacobelli is the owner and principal of Liquid Capital Midwest Corp, headquartered in Leamington, Ontario, which offers a fully comprehensive package of financing alternatives to businesses in the region.

Always dedicated to his clients, Rick prides himself on being available anytime, 7 days a week, to answer questions that they may have regarding the portfolio of products or simply to talk business. This strong commitment to personal service, and his appreciation that business owners do not work traditional banking hours, is one of his distinct competitive advantages in the marketplace.  Rick, the owner and decision maker, will meet with clients at their place of business when it is convenient to them- day or night!

Rick is a Professional Engineer with an MBA and 20 years of progressive management experience in a large manufacturing environment.  The last 13 years of which, he spent in a senior management capacity.  Additionally, over the past 18 years he established a successful real estate and training & consulting business that he built during his off time.  In 2008 he cut ties with the corporate world and began to focus entirely on his personal business interests and has never looked back.

Rick is no stranger to hard work. He is accustomed to and enjoys investing 12-14 hours a day managing his businesses and serving his customers.  Rick possesses a broad range of experience at both the corporate and entrepreneurial levels including finance, operations, and technical support that he can leverage to help you grow your business.

Newsletter - Richard Iacobelli

Liliana Rizopulos

Liliana Rizopulos is the owner and President of Liquid Capital Financial Services, providing working capital solutions to small and medium-sized companies.

Throughout the years Liliana has seen many businesses struggle due to the lack of cash they need to sustain their growth and their day-to-day operations. With over 20 years of international experience in the financing field, she has the expertise to help companies find the best solutions that allow them to grow and reach their full potential.

Liliana has extensive experience in providing financing solutions globally and to a wide range of industries, including transportation, telecommunications, mining, and professional services. Before joining Liquid Capital, she was a trusted advisor in international trade and finance at the Swedish Export Credit Agency. She has also worked with different multinational and financial institutions in The United States, Europe, and Latin America, offering financial solutions and helping her clients succeed.

Liliana holds an MBA from Thunderbird School of Global Management and has a BSc in Finance and International Relations. She speaks English, Spanish, Portuguese and Swedish, and has lived in six different countries. Currently, she is a director on the Board of Directors of the Swedish Canadian Chamber of Commerce, and an active member of a number of local Chambers of Commerce in Ontario. She has a passion for entrepreneurship and champions women entrepreneurs through the different organizations she belongs to.

Liliana is always open to learning about new opportunities and businesses she can support. Please don’t hesitate to send her a note or contact her directly, she is always looking for ways to help and contribute!

Newsletter - Liliana Rizopulos