Funding for Marketing and Creative Agencies

Cover payroll and ad spend now, get paid by your clients later. $10K–$5M based on your deposits, not your credit score — funded in as little as 24 hours.

The agency cash-flow trap

You land the account, the campaign goes live, and the work happens immediately — but the money doesn't. Your client is on net-30 or net-60 terms, so the invoice you sent won't hit your account for a month or two. Meanwhile, payroll runs every two weeks and the ad platforms charge your card the moment you scale spend.

That gap between doing the work and getting paid is the single hardest thing about running a marketing or creative agency. Growth actually makes it worse: the bigger the client and the more you spend on their behalf, the more of your own cash you're floating before the invoice clears.

A real dollar example

Say your agency bills $80,000 a month in retainers and project work, and most of it lands 30 to 60 days after you invoice. You just signed a new client and need to front $18,000 in ad spend plus cover a $22,000 payroll run before their first two invoices pay.

You draw $40,000 in working capital. You run the campaign, make payroll on time, and keep the client happy. When the net-30 and net-60 invoices clear over the following weeks, you've already been paid by every other client on the roster and the funding simply smoothed the timing — no missed payroll, no maxed-out cards, no telling a great client "we need to wait."

Funding ranges from $10,000 to $5,000,000. The minimum is $10,000. What you qualify for is based on the deposits flowing through your business bank account, not a credit score.

Approved on your deposits, not your FICO

Agencies often look thin on paper — few hard assets, no inventory, and founders who've reinvested everything back into the business. That's exactly why we approve on bank deposits instead of credit. If real revenue is moving through your account, that's what we look at.

• $10K to $5M in working capital, based on your monthly deposits.
• FICO 500+ is fine — we're reading your bank statements, not your credit report.
• Soft pull to check — seeing your options doesn't ding your credit.
• No collateral required for working capital.
• Every industry welcome — full-service, digital, PR, creative, media buying, branding, or a specialized shop.

How fast you can be funded

The honest version: apply before early afternoon Eastern on a weekday, and if you get your recent bank statements over and sign the same day, you can often be funded that same day. Apply Friday afternoon and funding typically lands Monday. It's paperwork-light — no business plan, no tax returns for most requests, no waiting on an underwriting committee.

Straight answers

Can I use the funds for ad spend?

Yes. Working capital has no restrictions — front ad budgets, run payroll, hire, buy software, or cover the gap while client invoices are outstanding. It's your capital to deploy.

My clients pay net-30 and net-60. Does that hurt my approval?

No. Long client terms are normal for agencies and exactly the problem this solves. We look at the deposits landing in your account over time, so slow-paying clients don't disqualify you — they're the reason funding makes sense.

What do I need to apply?

A short application and your most recent business bank statements. We read the deposits to size your offer. No tax returns or business plan needed for most requests.

Will checking my options hurt my credit?

No. Checking is a soft pull, so it won't affect your score. You see real numbers before you commit to anything.

How much can my agency get?

Anywhere from $10,000 to $5,000,000, based on your monthly deposits. The minimum is $10,000.

How soon can the money hit?

Often the same day. Apply before early afternoon ET on a weekday and send statements plus a signed agreement that day, and funding can land the same day. Fridays generally fund the following Monday.