How UAE’s Consulting Companies Are Getting Paid Faster with Invoice Financing
Because 90-day payment terms shouldn’t slow down your momentum.
Consultants know the drill.
You crush a strategy workshop. You send the final deliverable. Your client loves the work.
Then you wait.
And wait.
Sometimes for 30 days. Sometimes for 60. Sometimes… let’s just say the finance department needs “reminders.”
If that’s you—or if you’ve ever had to nudge a client for a payment they already approved—you’re not alone.
But here’s what’s changing: consultants across the UAE are quietly plugging into invoice financing to take back control of their cash flow.
Here’s how—and why—it works.
The Consulting Cash Flow Problem (Yes, It’s Real)
Let’s be honest. Consulting might sound fancy from the outside. But on the inside?
It’s late nights, tricky clients, and a pipeline that can feel more rollercoaster than roadmap.
And while you’re trying to grow your business—take on new clients, hire an analyst, upgrade your CRM—you’re stuck waiting on that client’s payment. The one that’s “with accounts.”
The bigger the client, the longer the wait. And for consultants working with government entities or large corporates? That wait can stretch to 90+ days.
Now imagine trying to scale while floating salaries, software subscriptions, and vendor payments for three months with no inflows.
It’s not just frustrating. It’s limiting.
Enter Zelo: Cash In Against Approved Invoices
This is where invoice financing comes in.
Zelo lets consultants get paid within 24 to 48 hours—against invoices that have been approved by the client but haven’t yet been paid.
Yes, really.
Whether you’re advising a government department, delivering ESG audits to a listed entity, or working on transformation projects for a healthcare group—if the invoice is approved and the buyer is creditworthy, we’ll finance it.
So instead of waiting 60 days to reinvest in your business, you can:
- Pay your team on time (or early)
- Take on another project without cash strain
- Invest in lead generation or BD
- Actually breathe between contracts
What Types of Consultants Are Using This?
Consultants across the board use invoice financing:
- Boutique advisory firms delivering to government or quasi-government buyers
- Legal and compliance consultants waiting on payment from large financial institutions
- Sustainability and ESG advisors supporting listed entities in the UAE
- Digital transformation specialists embedded in multi-phase corporate mandates
And they all had one thing in common: great work, great clients… painfully slow payment cycles.
But Wait—Isn’t Invoice Financing Just for Traders?
That’s the old-school thinking. Zelo is changing that narrative. We built our tech specifically for service providers, including consultants. We understand the difference between physical goods and intellectual work. We know what “milestone-based invoicing” looks like. And we don’t expect you to carry warehouse stock.
All we need? A verifiable invoice, a creditworthy buyer with an ERP (Think Oracle / SAP for accepting and approving invoices), and a few quick onboarding steps.
The process is seamless. Fully digital. It’s financing that fits the consulting model—finally.
The ROI of Early Cash: More Than Just Peace of Mind
Here’s what one of our consulting clients told us:
“With Zelo, I don’t have to keep 2 months of cash in the bank ‘just in case’. That alone frees up capital I can actually use—to hire, build, grow.”
It’s not just about fixing cash flow gaps. It’s about unlocking momentum.
Final Thoughts
Consultants are builders, thinkers, problem-solvers.
But you shouldn’t have to solve your own cash flow problems alone.
With invoice financing from Zelo, you turn your receivables into reliable runway—and get back to what you do best: consulting.
Get paid faster. Grow smarter. Stress less.
That’s Zelo.
[Talk to Us – Let’s get started]
Zelo is licensed and regulated by ADGM FSRA and backed by the International Holding Company (ADX: IHC). We’ve funded 8,000+ transactions and AED 500M+ in SME growth financing across the UAE.
