Key Takeaways
- O-1 consultants and advisory firms qualify on contract revenue — not visa status
- Working capital bridges retainer gaps and delayed client payments
- SBA eliminated for O-1 holders March 2026
- Non-dilutive funding — no equity, no board seats
- 48-hour decisions, funds in 2-3 business days
O-1 consultants occupy the highest rung of expertise — former McKinsey partners, recognized thought leaders, executive coaches with documented C-suite track records, and domain specialists cited by major media and peer-reviewed publications. When they build advisory firms, the capital needs are real: hiring junior analysts, funding marketing infrastructure, bridging client payment delays, and expanding service lines. Bankable funds O-1 consulting businesses on contract revenue, not citizenship status.
Consulting cash flow is structurally uneven: large retainers arrive quarterly, projects bill on milestone schedules, and enterprise clients routinely pay net-60 or net-90. Bankable's working capital advances bridge these gaps so your firm operates at full capacity regardless of receivables timing. Check your Bankability Score.
The O-1 Consulting Firm Capital Profile
Consulting businesses are asset-light but talent-heavy. The primary capital need is people — and people costs money before clients pay. An O-1 consultant scaling from solo practitioner to a 5-person advisory firm needs $300K-$500K to hire, train, and deploy that talent while client revenue catches up. Banks view this as a risk (no hard collateral); Bankable views it as a predictable revenue-scaling pattern.
What Consulting Funding Covers
- Team expansion: Analyst, associate, and director hires before client revenue scales
- Client receivables bridge: Advancing capital against net-30/60/90 invoices
- Marketing infrastructure: Website, content production, LinkedIn advertising, conference presence
- Office and co-working space: Lease deposits for client-facing meeting environments
- Technology stack: CRM, project management, research databases, presentation tools
- Service line expansion: Developing new practice areas, IP licensing, training program development
Revenue Documentation for Consulting Firms
We accept consulting contracts, retainer agreements, and invoice histories as revenue documentation alongside bank statements. For firms with predictable monthly retainer income, we can advance capital at 1-2x monthly retainer value. For project-based consultancies, we evaluate average monthly revenue over the trailing 6 months. The key qualifier is consistency — we want to see that clients pay and that the business has a revenue track record.
Bridging the Enterprise Payment Gap
Large enterprise clients — Fortune 500 companies, government agencies, international organizations — often pay on net-60 or net-90 terms. An O-1 consultant doing $150,000/quarter in work for a single enterprise client may carry $100,000+ in outstanding receivables at any given moment. Bankable's working capital advance provides the liquidity to operate without waiting for those payments to clear. Compare product structures to understand your options.
Frequently Asked Questions
Yes. Bankable funds O-1 consulting firms based on contract revenue. No green card required.
Retainer contracts, project invoices, and bank statement deposits all qualify as revenue documentation.
Up to $5M based on monthly revenue. Most consulting firms are funded at 1-3x average monthly revenue.
Yes. Working capital advances against confirmed outstanding invoices are available.
No. Funding is non-dilutive and repaid from business revenue.
48 hours from complete application.
$20,000/month in verifiable consulting revenue with at least 6 months of operating history.
Yes. The March 2026 SBA rule bars all O-1 holders from SBA programs.
Yes. Staffing and payroll are valid uses of consulting business funding from Bankable.
Combined revenue is evaluated holistically. Both consulting fees and product revenue count toward the monthly revenue threshold.