If you sell to other businesses, your trade cycle is almost certainly costing you more than it should.
Your buyers expect 30, 60, sometimes 90-day terms. Your sales team grants credit on instinct. Your finance team spends its weeks chasing invoices, reconciling payments, and manually processing supplier bills.
At Liquidity Lab, we help B2B sellers transform their AR and AP operations using modern technology and AI. Not by selling you software, but by working alongside your team to redesign how your trade cycle actually works.
Over a quarter of a full-time employee's working year, spent on collections across European businesses.
The finance function, rather than driving strategic decisions, is consumed by operational firefighting.
Not selling software, but redesigning how your trade cycle actually works, with measurable results.
Liquidity Lab is a specialist consulting firm focused on AI-driven financial operations for businesses that sell B2B. We work with CFOs and their teams to deliver measurable improvements across the entire order-to-cash and procure-to-pay cycle, typically spanning six areas.
We replace slow, manual credit approval with automated decisioning so every buyer, including first-time customers, gets an immediate answer on their trade credit limit. Faster onboarding, higher conversion, and credit limits grounded in data rather than gut feel.
We design and implement fraud detection frameworks that verify buyers at the point of order without adding friction. Our team has built fraud algorithms protecting hundreds of millions in B2B transaction value.
We deploy AI-powered reconciliation and collection agents that handle routine follow-ups with professionalism and persistence, escalating only when human judgment is needed, significantly reducing DSO while freeing your team for high-value relationships.
We embed frictionless payment terms directly into your digital buying journey: e-commerce, marketplace, or EDI. Credit and fraud decisions happen instantly behind the scenes. Businesses who implement this well typically see revenue uplifts of 40% or more from accounts that would otherwise have been lost to pay-now-only flows.
We build automated invoice validation that ingests supplier contracts, purchase orders, and incoming invoices to ensure you only pay what you owe, catching pricing errors, duplicates, and contract non-compliance before payment, with typical savings of up to 15%.
B2B orders arrive as voicemails, emails, WhatsApp messages, PDFs, and phone calls. We implement AI agents that capture orders from any channel and create them directly in your ERP, eliminating manual data entry and the errors that come with it.
The founding team built and scaled one of Europe's leading B2B trade credit platforms, processing hundreds of thousands of transactions. That required us to solve, at scale, the exact problems B2B sellers face every day.
We've since worked with major credit insurers, institutional lenders, and BNPL providers, designing credit frameworks, building fraud systems, structuring receivables financing, and optimising operations with AI. We bring an unusually deep understanding of both the technology and the financial architecture behind B2B trade credit.
Unlike a software vendor who sells you a platform and leaves, or a generalist consultancy that produces a strategy deck and moves on, we work hands-on with your team to redesign processes, build the right technology, and embed it into daily operations. Most AI projects never move beyond pilot; our engagements are designed to ensure the changes stick.
We built and ran a B2B payments business. We know what it looks like when a buyer disputes an invoice at 4pm on a Friday, when a fraud ring targets your onboarding, or when your credit insurer pulls cover on your largest account.
Very few firms understand financial workflows deeply enough to know where AI creates real value... and can then actually build and deploy it.
Every engagement starts with a clear baseline and a target. Our clients see results in weeks, not quarters.
The biggest gains often come from the connections between steps, not from optimising any single step in isolation.
Every engagement begins with a thorough audit of your AR and AP operations — data, process, people, systems — followed by a custom ROI projection and prioritised implementation roadmap. A typical first phase delivers three or four of the following improvements:
Through automated credit decisioning and AI-powered collections.
Buyer onboarding accelerated from days to seconds.
Through proper credit risk frameworks and early-warning monitoring.
Recovered through automated contract-to-invoice matching.
Manual processing time reduced across the finance team.
These reflect operational improvements we've delivered across B2B trade credit portfolios totalling hundreds of millions in annual volume.
If this resonates, we'd welcome a conversation. We offer a free initial consultation to understand your operations and identify where the biggest opportunities lie. No obligation, and even if the timing isn't right, you'll walk away with a clearer picture of what's possible.