Larry Schaad

Larry Schaad is the owner of LFS Capital, Inc. in South Florida, which franchise specializes in providing small to medium sized clients with an array of accounts receivable financing solutions and receivable management services, including credit checks, collections and administration.

Larry is an extremely experienced finance professional having over 20 years in commercial banking and over 10 years in corporate treasury. He decided to leave the corporate finance world in early 2013 and become a small business owner by acquiring LFS Capital, Inc. Liquid Capital is an established international network of finance professionals with over 80 offices throughout North America.

Prior to purchasing LFS Capital, Inc., Larry was Divisional Treasurer at LNR Partners LLC on Miami Beach and Corporate Treasurer with Danka Business Systems plc in St. Petersburg, FL.  Larry’s banking experience began in the early 1980’s with Continental Illinois National Bank and Trust Company and went on to include Bank of America and Raymond James Bank.

While currently residing in Miami, Larry’s work has allowed him to live in Saint Petersburg, FL, London, England, Atlanta, GA, Chicago, IL, and Dallas and Houston, TX. Larry holds a Bachelor of Science Degree in Business Administration from the University of Florida.


Francisco Annicchiarico

Francisco Annicchiarico is the President of Liquid Capital of Florida, located in Miami, where he works with small and medium-sized businesses to create alternative financing solutions.

Francisco obtained a Bachelor’s of Science from Boston College in Accounting. He has more than 30 years of experience in the financial industry, including having worked as an auditor at Arthur Andersen, International Management Auditor at British American Tobacco, the Financial Director at International Manufacturers, and the Client Financial Management Controller at Accenture. Since founding Liquid Capital of Florida in 2007, Francisco has used his wealth of experience to help support his local business community by providing tailored, innovative financing options to business owners in need.

Efficient and service oriented, Francisco put high value on client relationships, offering the sort of personalized services so often lacking in banks and large financial institutions. When a client of his found themselves losing sales due to lack of working capital, Francisco was able to create a customized financing solution that allowed his client to get the money they needed to fuel their growth. With his help, they were able to increase their monthly sales from $40,000 to $300,000.

An active member of his local business community, Francisco contributes to the local area Chamber of Commerce, and when not in the office, Francisco spends his time golfing, reading and enjoying the beautiful scenery on coastal Florida.