Can a management consultancy with no stock or premises get a loan?

Yes — a consultancy funds on fee income, not on stock or assets it does not have. Knowledge businesses are highly fundable when their billing is steady and evidenced. Credicorp assesses the fee cash flow, so having no inventory or premises is irrelevant. 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.

Can a management consultancy with no stock or

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Yesfee income counts

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Steady billingis the case

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.