From working capital to equipment financing, we offer flexible funding structures designed to match how your business actually operates.
Working capital is the lifeblood of daily operations. Whether you need to cover payroll during a slow season, stock inventory ahead of a peak period, or simply maintain healthy cash flow while your receivables catch up — a working capital loan from H1P Consulting gives you the flexibility to keep moving.
Unlike traditional bank loans, our working capital solutions are structured around your actual revenue and business performance, not just your credit score. We fund businesses in all industries, including those with less-than-perfect credit history.
The right equipment can transform what your business can do. But purchasing machinery, vehicles, commercial kitchen equipment, or technology outright can drain the cash reserves you need for operations. Equipment financing lets you acquire essential assets while preserving your working capital.
The equipment itself typically serves as collateral, which means better terms and a simpler qualification process than unsecured funding. We work with businesses across manufacturing, construction, food service, healthcare, transportation, and more.
Revenue-based financing aligns your funding repayment with your actual business performance. Instead of fixed monthly payments, repayment scales proportionally with your revenue — meaning slower months come with smaller payments, and stronger months pay down your balance faster.
This model is especially well-suited for businesses with strong monthly revenue but variable or seasonal income patterns: restaurants, retailers, e-commerce businesses, and service providers who want financing that breathes with their business rather than against it.
A business line of credit gives you the financial flexibility to act on opportunities and handle unexpected expenses without applying for a new loan each time. Draw funds when you need them, repay on your schedule, and your available credit replenishes as you pay down what you've used.
Lines of credit are ideal for businesses that regularly face fluctuating cash needs — contractors who need to front material costs, businesses managing extended payment cycles, or growing companies that want a standing financial cushion.
Outstanding invoices represent real value — but they don't pay your bills until the check arrives. Invoice financing allows you to unlock the cash tied up in approved receivables today, rather than waiting 30, 60, or 90 days for clients to pay.
This is not a loan — it's leverage on work you've already completed. Invoice financing is particularly valuable for B2B businesses, contractors, staffing companies, and service providers who operate on net payment terms with commercial clients.
When it's time to scale — a second location, a new product line, a key hire, a new market — you need capital that matches the size of your vision. Business expansion funding through H1P Consulting is structured around your growth plan, with terms and amounts aligned to your projected revenue trajectory.
We review your existing business performance, your expansion strategy, and your projected returns to build a funding package that gives you what you need to grow without overextending. This is patient, strategic capital — the Bluegrass way.
We evaluate businesses holistically. These are general guidelines — not hard rules. If your business doesn't fit neatly into these parameters, contact us anyway.
Generally 6+ months in operation. Newer businesses with strong revenue history may also qualify.
Typically $10,000+ per month in business revenue. We review 3-6 months of bank statements.
We work with a wide range of credit profiles. Imperfect credit does not automatically disqualify you.
LLC, S-Corp, C-Corp, and sole proprietorships with an EIN are generally eligible.
U.S.-based businesses. Headquartered in Kentucky preferred, but we serve businesses nationwide.
Most industries considered. Contact us to discuss your specific industry and situation.
Not sure which solution fits best? Contact us and Kate will help identify the right structure for your situation — no obligation.