CONSULTANCY BUSINESS FUNDING
From hiring talent to investing in growth, our funding advances of £2k–£300k give consultancy businesses the capital to scale, take on more clients, and deliver more value.
Reviews from Businesses like Yours
The UK management consulting market is worth over £14 billion annually and supports more than 75,000 consulting firms, according to the Management Consultancies Association. For independent consultancies and advisory firms, cash flow is a persistent challenge — project fees are earned over weeks or months, but invoices are often settled 30 to 90 days after delivery. A business funding advance gives consultancy businesses fast access to working capital, without a personal guarantee.
Consultancy Business Funding Advance
Got Capital provides unsecured business funding advances from £2,000 to £300,000 for management consultancies, business advisory firms, strategy consultants, and specialist consulting businesses across the UK. A funding decision is made in as little as one hour, and the advance can be in your account within 24 hours — without requiring a personal guarantee.
Why Consultancy Businesses Need Funding Advances
Consultancy is a project-based business where revenue is real and earned, but arrives unevenly. A contract won in January may run for three months before the final deliverable is signed off and an invoice can be raised. That invoice may then sit on 60 or 90-day payment terms before settlement. During that entire period, salaries, subscriptions, travel, and overhead costs continue to run.
For growing consultancies, the timing mismatch is amplified. Taking on a significant new client or project often requires additional headcount — a freelancer brought in for specialist input, or a new permanent hire to deliver capacity. These costs land immediately. The revenue they generate lands later.
New business development creates its own capital demand. Pitching for large contracts involves time, travel, and the production of proposals and presentations. For smaller and mid-sized firms competing against larger consultancies, investing in a compelling pitch before any contract has been won is a real and necessary cost. Similarly, investing in certifications, frameworks, or proprietary methodologies to differentiate the firm requires capital ahead of any commercial return.
£2,000 – £300,000
Available Funding
1-Hour Decision
Once All Documents Received
Funds in 24 Hours
Once Approved
No Personal Guarantee
Never Required
Common Uses for Consultancy Business Funding Advances
A Got Capital advance gives consulting firms the working capital to operate smoothly and invest in growth:
- Payroll and contractor fees during the gap between project delivery and invoice settlement
- New business development — proposal production, travel, and pitch costs
- Certifications, accreditations, and professional development for the team
- Technology investment — CRM systems, data analytics tools, and project management platforms
- Office costs, co-working space, or new premises for a growing team
Bridging cash flow on projects with 60 to 90-day invoice settlement terms - Marketing and thought leadership — content, events, and digital presence
- Hiring and onboarding new consultants or support staff ahead of a new project start
Fund Your Business in 3 Easy Steps
Fund Your Business in 3 Easy Steps
1
Submit your funding application below
2
Agree on an offer for business funding
3
Receive funds fast into your bank account
Working Capital Up To £300K
We work alongside all of our clients to ensure funding is deployed fast and when it is needed, helping to supporting long-term operational health and sustainable business growth.
No Personal Guarantees Required
You are not required to provide a personal guarantees to qualify for a business funding advance, so there is no need to risk your personal property when you are looking to grow your business.
Apply with Any Credit Score
We determine your eligibility for funding based on intelligent models developed by Got Capital; your credit score alone should never be a barrier to receiving the money that your business needs.
Custom Payoff Plans Available
Should you no longer need funding, you may be eligible to return the remaining balance at a discounted rate, dependent on the condition of your account and repayments performance.
Am I Eligible?
✓ UK-registered business
✓ Minimum 3 months’ trading history
✓ Minimum £5,000 monthly revenue
✓ No personal guarantee required
✓ All credit histories considered — decisions based on business health
✓ Available to sole practitioners, small firms, and mid-sized practices
FREQUENTLY ASKED QUESTIONS (FAQs)
FREQUENTLY ASKED QUESTIONS (FAQs)
Yes — Got Capital provides business funding advances suited to management consultancies, business advisory firms, strategy consultants, and specialist consulting businesses. To qualify, your business needs to be UK-registered, have been trading for at least 3 months, and generate a minimum of £5,000 in monthly revenue. Decisions are based on your business health rather than your personal credit score, and no personal guarantee is required. Advances range from £2,000 to £300,000, with funds reaching your account within 24 hours.
Got Capital can issue a funding decision in as little as one hour. Once approved, funds are typically deposited into your business account within 24 hours. For consultancy firms managing the gap between project delivery and invoice settlement — which can run to 60 or 90 days — this speed makes a meaningful difference to working capital. The entire application is completed online with no business plan or personal guarantee required.
Yes — there are no restrictions on how the funds are deployed within your consultancy. Covering salary and contractor obligations during the gap between project delivery and invoice settlement is one of the most common uses. An advance also works well for growth investment: hiring an additional consultant, investing in a CRM or analytics platform, or funding the production of a major pitch all require capital before they generate revenue. A Got Capital advance gives you the working capital to act at the right moment, rather than waiting for a specific invoice to clear.
A traditional bank loan is a credit agreement. Interest accrues over the loan term, and fixed monthly instalments are required on a set schedule. Got Capital’s advance works differently: a single, fixed factor fee is agreed upfront, so you know the total cost before you commit. There is no interest that accrues over time and no variable rate. You settle the advance as a proportion of your future revenue. No personal guarantee is required to secure the funding advance.
No. Got Capital does not require a personal guarantee from any business that takes an advance. A personal guarantee would make you personally liable if your business could not settle — potentially putting your home and personal savings at risk. Got Capital’s advances are unsecured: your personal financial position is not used as security, and no personal assets are put at risk in order to secure the funding advance.
Yes — a Got Capital advance is specifically designed to work with businesses whose income arrives unevenly. Settlement is structured as a proportion of your future revenue. This makes a Got Capital advance well suited to consultancy businesses where revenue is concentrated around project completions and milestone payments.
Yes. Many of the consultancies funded by Got Capital have previously been declined by a high street bank. Banks assess applications primarily on credit scores, security, and rigid eligibility criteria that often disadvantage project-based professional services firms. Got Capital assesses the health of your business — your revenue, trading history, and operations. If your consultancy is UK-registered, generates at least £5,000 per month, and has been trading for at least 3 months, your application will be reviewed on its own merits. Previous bank declines are not a barrier.