An agency pays its people before its clients pay it. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →An agency sells hours and expertise. The product is done by designers, writers, strategists and media buyers who are paid every two weeks or every month. The client's invoice, on the other hand, is typically paid weeks after the work is delivered, and sometimes later still when it passes through accounts payable.
The agency has therefore spent its money on the work before it has been paid for it. For a small shop, one slow-paying client can strain a payroll.
When an agency places media on a client's behalf, it can be the one on the hook for the platform bill. For illustration only, with round numbers and not our terms: an agency runs $15,000 of ads for a client in a month. The platform charges the agency's card immediately; the client pays net 30 or net 45. The agency has carried $15,000 for six weeks without earning a markup on it.
Do that for several clients at once and the agency's operating account can run dry even though every account is profitable on paper.
| Moment | Cost before income |
|---|---|
| Landing a big retainer | Hire or contract help before the first invoice goes out |
| Opening a second office | Lease, furniture and a manager before the new accounts arrive |
| Building an in-house studio | Cameras, lighting and editing machines paid up front |
Many agencies depend on a few retainer clients. When one leaves, the revenue drops immediately, but the people hired to serve that client are still on payroll. A cushion lets the agency adjust headcount thoughtfully or find the next client, rather than cutting talent in a panic. It also buys time to build the pipeline that replaces the lost account.
Owners who have been through this once usually keep a reserve afterward. Working capital is one way to build that reserve quickly.
Working capital from $25,000 to $5,000,000 can bridge payroll while invoices clear. The application takes about five minutes, starts with a soft credit pull, and sole proprietors, including solo consultants, can apply.
Yes. Payroll ahead of client payment is the most common reason agencies seek working capital.
Working capital can cover ad spend you front, since you decide the allocation.
Yes. Sole proprietors can apply.
Start the application and describe the business. Concentrated revenue is common for small agencies.
They are a fixed deadline that payroll has to cover, which is one reason steady cash matters.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
