Funding for Marketing & Creative Agencies
An agency's problem is rarely revenue — it is the gap between invoicing and collecting. A line of credit or advance against receivables funds that gap with capital matched to money already earned.
Agency life means being a bank for your clients whether you signed up for it or not. The retainer invoices go out on the first, the payments arrive when accounts payable gets around to it, and in between you cover salaries, contractors, software seats, and sometimes the client's own ad spend. Land a big account and the problem gets bigger before it gets better: new hires start now, the first invoice pays in sixty days. Banks read creative services as thin-asset risk. Broadway reads your deposits: three months of bank statements, one short form, a soft credit pull, a same-day decision, and funding in as little as 24 hours — useful when payroll is Friday and the wire is 'processing.'
The challenge
Clients pay net 30 to 60. Your team gets paid every two weeks. Some months you are also fronting ad spend on the client's behalf. The work ships long before the wire lands, and one slow payer can wobble an otherwise healthy shop.
How Broadway Advance helps
An agency's problem is rarely revenue — it is the gap between invoicing and collecting. A line of credit or advance against receivables funds that gap with capital matched to money already earned.
What owners use it for
- Bridge net-30/60 client invoices against biweekly payroll
- Front client ad spend without letting it eat your operating cash
- Hire ahead of a signed retainer that starts paying in sixty days
- Cover the software stack — seats, tools, subscriptions — that bills monthly
- Fund pitch costs and new-business development through a churn quarter
- Smooth cash flow when a major client pays late or exits
See your real number in about five minutes.
Apply nowFunding options that fit marketing & creative agencies
Business Line of Credit
A revolving cash reserve you only pay for when you draw on it.
Flexible limits →Asset-Based Lending
Turn real estate, inventory, equipment, or credit into working capital.
Based on asset value →Merchant Cash Advance
Immediate cash today in exchange for a small slice of future sales.
Up to $2,000,000 →Marketing & Creative Agencies funding questions
We have plenty of receivables, just no cash. What actually fixes that?
Two tools, honestly compared. A line of credit is the everyday fix: draw against the gap, repay when invoices clear, pay only for what you use. Asset-based lending goes further if your receivables book is substantial — it advances against the invoices themselves, and usually prices better than unsecured fast money because the collateral is real. A cash advance is the speed option when the gap is urgent. We broker all three across 25+ funders and will show you the cost of each on your numbers.
A client wants us to front six figures of ad spend. Should we finance that?
Only with the contract doing its share of the work. Fronting media is financing your client at your cost of capital — so the markup or fee on that spend needs to exceed what the money costs you, and the payment terms need teeth. If those hold, a credit line against the receivable is a reasonable structure and Broadway can arrange it quickly. If the client will not sign terms that protect you, the answer is not better financing, it is a media account in the client's name.
Our revenue dipped after losing a big account. Are we fundable?
Often, yes — but expect the offer to reflect the new run rate, not the old one. We underwrite off three months of bank statements, so a recent churn shows; what matters is what remains: active retainers, steady deposits, a pipeline you can speak to. Fast capital can buy the runway to replace the account, and that can be a sound trade — it costs more than bank money, so the plan on the other side has to be real. You will have a same-day decision to plan around.