An agency pays its people monthly or biweekly and pays media vendors quickly. Clients often pay on net terms that run longer.
Apply Now →The product of a creative or marketing agency is the time of its staff: strategists, designers, writers, developers and account managers. Pay for that time is due every cycle. Client invoices go out at month end or on milestones and are paid on whatever terms the client's finance team applies. A large client can add weeks, and one late payment on a retainer can matter a lot to a small shop.
Agencies also front costs that are not their own. Media buys, production, freelancers and software subscriptions are often paid before the client reimburses them.
If an agency buys ad inventory on the client's behalf, it may owe a platform or publisher before the client pays the agency. These amounts can be larger than the agency's own fees.
Photographers, videographers, developers and printers expect payment on their own timeline, often shorter than client terms.
Design, project management, analytics and creative tools are paid monthly or annually, per seat.
Winning a bigger account usually means hiring first. The agency adds a designer or account lead, maybe moves into more space, and spends on onboarding. Revenue starts after the first invoice is paid. A funding amount that covers those first months lets the agency staff the work properly instead of stretching the existing team.
Retainer-based agencies have steady monthly income but may face scope creep that increases costs without raising fees. Project-based agencies have lumpy income and often depend on a few large jobs at a time. In both cases, billing practices affect cash flow as much as the contract itself. Invoicing promptly, requiring a deposit and setting clear payment terms all shorten the wait.
Some agencies bill in advance for the first month, which reduces the amount to fund. Others offer a small discount for fast payment. If neither is realistic with your biggest clients, funding makes up the difference. Decide how many weeks of payroll you want to be able to cover without any client payment, and size your request around that number.
For illustration only: an agency lands a client whose first month needs $30,000 of media spend and $25,000 in team costs, with payment due 45 days after invoice. The agency is out $55,000 and has the usual payroll as well. Funding the gap allows it to accept the client without delaying other work. The agency still needs to be confident in the client's ability to pay.
We offer $25,000 to $5,000,000, funded in as little as 24 hours. FICO 500 and up considered, about three months of business bank statements and no tax returns. The application takes five minutes and uses a soft credit pull. Sole proprietors, including solo consultants, can apply. Start your application.
Yes. Business size is not the test. About three months of business bank statements are requested, and no tax returns are required.
It can bridge the time between paying the platform and being reimbursed. Make sure the client's payment is reliable before committing.
Sole proprietors can apply.
Concentration is common in small agencies. Cash on hand helps you continue payroll if that client pays late. Consider how long a delay you could survive.
No. The application uses a soft credit pull.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
