Capital that fits a service business with bursty cash flow.
Clients pay net-30 or net-60. Payroll runs every two weeks. Media bills come at the start of the month. Get a working-capital line that flexes with your AR and the term financing that grows your team without selling equity.
Capital tuned to how marketing agencies actually run.
- Cover payroll between client invoices and net-60 payment cycles
- Float client media spend on your balance sheet for credibility wins
- Add senior hires ahead of a known account ramp
- Refinance founder credit-card debt taken to bootstrap growth
- Acquire a smaller agency or specialist team
Products built for marketing agencies.
The shapes of capital most marketing agencies use, and why each one fits.
Line of Credit
The right shape for service businesses. Draw when AR is thick, repay when it clears.
Learn more →Invoice Financing
Advance against approved client invoices and stop running the agency on a personal credit card.
Learn more →Term Loan
Senior hires, office buildout, or acquiring a sub-agency: clean fixed payments.
Learn more →Revenue-Based Financing
For agencies with strong revenue but uneven months, repay as a percent of collections.
Learn more →“We won a $1.4M annual account but they pay net-60. The line covered three months of payroll while we onboarded. Repaid the day the first invoice cleared.”
Three steps from application to funded.
Apply in 3 minutes
Soft credit pull only. Connect your bank or upload statements, no impact to your score.
Compare real offers
See every product your business qualifies for side-by-side. No estimates, no bait pricing.
Funded fast
Sign electronically and funds typically land in 24 to 48 hours of acceptance.
Marketing Agency financing: common questions.
I have concentration risk: one client is 40% of revenue. Does that hurt?+
Concentration is a real factor but not disqualifying. We can structure smaller advances, invoice financing tied to the specific client, or pair with a smaller line of credit.
Can I float client media spend with this?+
Yes. Media-spend floating is one of the most common uses: line of credit and invoice financing both work, with rates that beat platform-provided BNPL options.
We're mostly remote. Does that matter for underwriting?+
No. Modern lenders underwrite remote-first agencies the same as office-based ones. Revenue and AR profile drive the decision.
Can I finance an acquisition of another agency?+
Yes. SBA or conventional term loans typically fund small-agency rollups. We pair you with lenders experienced in service-business acquisitions.
What about retainer-based revenue?+
Recurring retainer revenue is highly favorable in underwriting. It stabilizes the AR profile and often unlocks better rates.
Other industries we fund.
Ready to fund your company's future?
Three minutes to apply. Soft credit pull only. Real, comparable offers, not estimates.