You also say your consultants would be "independent." If thats so, they wouldnt be on payroll, so to speak, and you could negotiate a time frame for payment that would work better for you making certain you deliver on that time frame to keep your reputation high in the market.
You may have to get creative at the start regarding your line of credit, until you have the track record a bank will consider. Another option is to find a "small business"-friendly bank or a "business bank" that specializes in helping small companies and startups.
Even established companies struggle with cash flow. So it's better to learn more about how to cushion yourself at the start because you will need to apply those lessons even more frequently as you grow your company.
All the best. Brad Sugars
Brad Sugars is the founder and chairman of ActionCOACH. As an entrepreneur, author and business coach, he has owned and operated more than two dozen companies including his main company, ActionCOACH, which has more than 1,000 offices in 34 countries.