Business Loan for Marketing and Advertising

Fund the ad spend, the new site, or the campaign before your busy season — approved on your deposits, not your FICO. Soft pull to check, funded in as little as 24 hours.

You know the campaign will pay — you just need to fund the spend first

You've done the math. Every dollar you put into Google, Meta, or TikTok ads comes back as more than a dollar in sales. The website redesign will lift your close rate. The pre-season push fills the calendar. The problem isn't whether marketing works — it's that you have to pay for the ad spend now and the revenue shows up over the next 30, 60, 90 days. That gap is where good campaigns die.

We had an applicant who wanted exactly $10K for this: budget to scale Meta ads that were already converting, plus a cleaner landing page. Not to survive — to grow. Banks don't fund "ad spend," and waiting until you'd saved it up meant missing the season. That's the whole reason this kind of funding exists.

How funding for advertising works

• 1. Apply online in a few minutes. No business plan, no marketing deck. Tell us the amount and connect or upload your last few months of bank statements. Checking your offer is a soft pull — it does not touch your credit score.
• 2. We approve on your deposits. We look at the revenue moving through your account, not just your FICO. Consistent deposits mean you can carry the payment — that's what matters. FICO 500+ is fine.
• 3. Fund the campaign and turn it on. Money hits your account and goes straight to ad spend, the agency, or the new site. If your signed agreement and statements are in before early afternoon ET on a weekday, funding can happen the same day. Friday afternoon typically means Monday.

Who qualifies

• Any industry — e-commerce, local service, retail, restaurants, B2B, agencies, contractors, more
• Roughly 3+ months in business with regular deposits into a business account
• FICO 500+ (we check with a soft pull — no score damage to see your offer)
• No collateral required for working capital used on marketing and advertising

Straight answers

Can I really use a business loan for ad spend?

Yes. This is working capital — once it's in your account, you decide where it goes. Google and Meta budgets, TikTok, an agency retainer, a new website, creative, print, a booth at a trade show. There's no restriction on spending it on marketing.

Does checking my offer hurt my credit?

No. Checking is a soft pull, so your score is untouched. You see the amount and terms before you commit to anything.

My credit isn't great — does that kill it?

No. We approve on the deposits flowing through your business account, not your credit score. FICO 500+ works. Strong, steady revenue matters more than a perfect number.

How fast can I have the money?

As little as 24 hours. If your signed agreement and bank statements are in before early afternoon ET on a weekday, we can often fund the same day. Submit Friday afternoon and it's usually Monday.

How much should I borrow for a campaign?

Enough to run the test long enough to read real results, plus a buffer. Many marketing pushes land in the $10K–$50K range, but we fund $10K to $5M. Borrow to the return you expect, not more.

What if the campaign takes time to pay off?

That's exactly what this bridges. You fund the spend now and repay from the revenue it generates over the following weeks — instead of draining cash you need for payroll and inventory.

Fund the push while the window's open

Peak seasons and hot ad markets don't wait. Apply online, check your offer with a soft pull, and if the timing lines up you could be funding your campaign within 24 hours.