Normally any lender such as a bank that you approach for funding for your new consultancy business will want to see that you have invested some money in the project yourself.
This might include:
- a lump sum that you expect to receive - for example, repayment of pension contributions on leaving employment or a redundancy payment
- the sale of a non-business asset
Your lender will probably ask you for some evidence that the money actually exists or is due to you - and that you don't already owe it all to someone else.
Enter into the cash flow the amounts of money you will put into the business, in the months in which it will be needed or is expected to be received.