Pall Mall Physio

After 15 years working in public healthcare, business owner Ian Knowles decided he wanted to specialise as a Musculoskeletal physiotherapist; working full time for the NHS, and part for a private client base. He left the NHS and joined the team at the Pall Mall Physio clinic in Liverpool’s city centre and, following several years of successful trade, soon found himself in a position to purchase the business himself.

“I took over the clinic just before Christmas,” says Ian. “Having worked there for a few years now, I know that in the run up to the new year, new patients coming into the clinic can be slower as people prepare themselves for the festive period. So, I wanted to boost cashflow in case the Christmas period was quiet. We haven’t had any months in the red before, so I want to keep it that way for the start of 2019.”

As Pall Mall Physio was newly under Ian’s name, he knew acquiring an overdraft or business loan could be difficult as a business needs time to show growth. So instead, Ian began exploring alternative funding options and came across Liberis’ innovative Business Cash Advance. This is a simple solution takes repayment as a small, fixed percentage of your customers’ credit card transactions – so you only repay Liberis when your customers pay you.

“It’s all been very straightforward, and the repayments are manageable as they depend on my card takings for that day! The process happened quickly and was proficiently explained, and I could do it all over the phone.”

“Looking forward, we’d like to hopefully get another few members of staff on board and do some more on the PR and management side to grow the business. The flexibility of Liberis’ funding could definitely help us push forwards to a healthy and happy start to 2019.”

Next Steps

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