Yes That's the only thing it can be. The other two are possible, but the object of the sentence is "plenty of clients" and a "skilled set of employees." a loan provider wouldn't help you with either of those, nor would he know about your service needs. He's there to provide the money period.
The set of services is going to be a problem when you need them, but to start out with you need clients and employees.
LOCATION is the answer
