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.