Key Takeaways
- Consulting firms with 6+ months of client revenue qualify for Bankable funding
- SBA categorically excludes E-3 holders — revenue-based funding is the alternative
- Payroll, BD costs, and subcontractor fees are all fundable uses
- Bankable funds management, IT, HR, and strategy consultancies
- Up to $5M with 48-hour decisions
Australian consultants in the US are running genuinely successful firms. Management consultants, IT consultants, HR advisors, and strategy specialists — E-3 holders represent some of the most credentialed professionals in these categories. Many transition from large consulting firms to independent practices, taking clients with them.
The challenge: consulting firms have high payroll costs relative to assets, making traditional bank lending difficult. SBA loans are unavailable to E-3 holders. Revenue-based funding, structured against monthly consulting revenue, is the natural capital product for this business model.
The E-3 Funding Barrier
The SBA's 100% citizen/national ownership rule disqualifies every E-3 holder from government-backed loans — regardless of how long you've been in the US, how profitable your business is, or how strong your credit score is. Banks that primarily originate SBA loans have no viable product to offer you. That's not a reflection of your business quality; it's a policy gap that Bankable was built to bridge.
Revenue-based funding through Bankable requires no green card, no citizenship, and no SBA involvement. What matters: your business generates consistent revenue, has been operating for at least 6 months, and has a US business bank account. That's the core of what we evaluate. Check your Bankability Score to see your options in minutes.
Challenges in This Sector
- SBA loans unavailable regardless of firm revenue or partner credentials
- Payroll is the dominant cost — funding needs to be deployed quickly and flexibly
- Client payment terms (Net-30 to Net-60) create consistent AR float that strains cash
- Business development costs — travel, BD staff, proposal development — require upfront investment
- Project-based revenue creates lumpy monthly cash flow
- Winning large contracts requires capacity investment before the contract pays
Funding Solutions for E-3 Holders
- Working Capital: Fund payroll, subcontractors, and overhead during AR float periods.
- BD Capital: Fund business development travel, marketing, and sales staff to win larger contracts.
- Capacity Investment: Hire ahead of a large contract win with confidence.
- Revenue-Based Funding: Repay as a percentage of monthly consulting revenue — matches lumpy cash flow.
- Line of Credit: Revolving capital to draw against as needed across the project cycle.
Consulting Revenue Patterns
Consulting businesses often have revenue lumped into project milestones — a large payment on contract signing, another at delivery. Bankable evaluates trailing 6-month averages rather than individual months, which smooths out milestone-based revenue patterns.
The key metrics we look at: average monthly revenue over the last 6 months, number of active clients, largest client concentration (we prefer <40% from a single client), and overall revenue trend. A consulting firm growing 20%+ year-over-year with multiple clients is highly fundable on Bankable's platform.
Capital Products Available
Revenue-Based Funding
Up to $5M based on your monthly revenue. No green card, no SBA. 48-hour decisions.
Apply Now →Equipment Financing
Asset-backed funding for equipment — available to non-citizen business owners.
Check Eligibility →Frequently Asked Questions
Yes. Bankable funds the consulting firm entity based on its revenue — your visa status isn't a factor.
Management, IT, HR, strategy, financial advisory, operations, and any other professional services consulting with consistent client revenue.
We evaluate trailing 6-month averages. Milestone-based revenue is factored into our assessment alongside client contracts and pipeline.
Yes. Working capital for payroll is the most common use case for consulting firm funding.
High client concentration (one client representing 50%+ of revenue) increases risk. We prefer firms with multiple clients. If you have a strong anchor client with a multi-year contract, that contract documentation helps our assessment.
Up to $5M. Typical consulting firm advances are 1–3x average monthly revenue.
Yes. BD costs including travel, marketing, conferences, and sales staff are all valid uses of working capital funding.
No. We work from bank statements and basic business information for most funding decisions.
48-hour decisions from complete application. Funds in 3–5 business days.
Revenue-based repayments flex with actual revenue. If your revenue drops, repayments reduce proportionally. This is a core advantage of revenue-based funding over fixed-payment loans.