Funding for Photography & Video Studios

Cover new gear, studio buildout, and the gap before clients pay — $10K to $5M, approved on your deposits, funded in as little as 24 hours.

The cash-flow reality of running a studio

A photography or video business lives and dies on two numbers: what you spend before a shoot and when the client actually pays. You book a wedding, a brand campaign, or a commercial spot months out. You put down deposits on rentals, second shooters, an editor, and travel. Then you wait 30, 60, sometimes 90 days for the final invoice to clear — while the next booking already needs a deposit of its own.

Add to that the equipment treadmill. A new mirrorless body, a set of fast primes, cinema lighting, a gimbal, or an upgraded edit suite can run $8,000 to $40,000 in a single purchase. Studios that own their space carry buildout costs too — cyc walls, blackout, soundproofing, backdrops, and power. None of that waits for slow-paying clients.

Quick Biz Capital funds photography and video studios from $10,000 to $5,000,000. We approve on the deposits flowing through your business bank account — not your credit score — so a busy season on paper actually counts for something.

A real dollar example

Say you shoot commercial and brand work and average $22,000 a month into your business account. A corporate client signs for a three-part video series, but their AP department pays net-60. To deliver, you need $18,000 up front: gear rental, a colorist, a motion-graphics contractor, and a location fee.

On a $18,000 advance, a typical factor rate lands around 1.30, so you'd repay about $23,400 total. If that's set on a 6-month schedule, remittance runs roughly $900 a week. You take the job, deliver, get paid on the net-60 invoice, and the advance is clearing out of ongoing deposits the whole time — instead of turning down a $40,000 project because you couldn't float the first month.

Your exact rate and term depend on your deposits and time in business. The point is simple: you fund the work that pays, and you keep the booking.

Why studios work with us

• Approved on deposits, not FICO. We look at what your business banks. FICO 500+ is fine, and it's a soft pull to check — no ding to apply.
• Built for seasonal, uneven revenue. Wedding season, Q4 commercial rush, a quiet January — remittance is tied to your ongoing deposits, not a rigid fixed payment that ignores your calendar.
• Fast enough to matter. Funded in as little as 24 hours, so you can lock a rental or take a booking that won't wait a week.
• No collateral for working capital. Your gear stays yours; working-capital advances don't require you to pledge it.

How fast you can be funded

Submit your last few months of business bank statements and a signed agreement before early afternoon Eastern on a weekday, and same-day funding is on the table. Later in the day usually means next business day. Apply on a Friday and funding typically lands Monday. No fake overnight promises — just the honest timeline.

Straight answers

What's the minimum I can get?

Funding starts at $10,000 and goes up to $5,000,000. If you need less than $10K, this isn't the right fit.

Will applying hurt my credit?

No. Checking is a soft pull, so there's no impact on your score just to see what you qualify for.

I have uneven, seasonal income — does that disqualify me?

No. Seasonal and lumpy revenue is normal for studios. We approve on the deposits flowing through your account, so a strong season counts even if the off-months are quiet.

Can I use it to buy equipment?

Yes. Cameras, lenses, lighting, edit hardware, or a full studio buildout — it's your capital to deploy where the work is.

Do I need collateral?

Not for working capital. You don't pledge your gear to get an advance.

What do I need to apply?

Your recent business bank statements and a few basic details about the business. That's the core of it.