2 min read
Fee businesses fund on cash flow
A consultancy's value is its billing, not a warehouse. A cash-flow lender advances against evidenced fee income, so the absence of stock or premises is a non-issue. Regular invoices and clean receipts are exactly what supports the loan.
What strengthens a consultancy application
Retained clients, recurring or contracted work, and steady turnover through the business account. Lumpy project billing is fine — lenders average it. Watch client concentration.
Applying
Show your fee income and apply online.
Frequently asked questions
Can a services firm with no assets really borrow?
Yes. Cash-flow lending is repaid from income, not assets. A consultancy with steady fee income is a straightforward, fundable business.
What do lenders want from a consultancy?
Evidence of consistent billing through the business account, ideally with some recurring or contracted work, and manageable reliance on any single client.
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