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Marketing & Media Agency Capital
Structured working capital for agencies fronting media spend, funding production before delivery, covering payroll between client payment cycles, and onboarding large accounts.
ELIGIBLE OPERATORS
- •Full-service marketing agencies
- •Media buying agencies
- •Digital and performance marketing firms
- •Production and post-production companies
- •Public relations firms
- •Out-of-home and broadcast operators
CAPITAL USED FOR
- •Fronted media spend
- •Production costs before delivery
- •Payroll between client payments
- •Talent and contractor payments
- •Large account onboarding
- •Platform prepayment requirements
CAPITAL USED FOR
- •Fronted media spend
- •Production costs before delivery
- •Payroll between client payments
- •Talent and contractor payments
- •Large account onboarding
- •Platform prepayment requirements
Estimate Your Capital Need
Capital Needs Assessment. Marketing & Media
Enter your operating profile to estimate your working capital gap and recommended facility structure.
Estimated Capital Profile
Client payment gap
$750,000
Revenue held in the collection cycle
Media spend exposure
$250,000
Monthly spend fronted on behalf of clients
Estimated capital gap
$983,000
Identified capital need
This figure reflects the capital your agency carries between the moment media, production, and payroll obligations come due and the moment client payments actually arrive. Agencies typically structure this as a revolving working capital line drawn against active campaign spend and billed receivables, so the facility expands as accounts scale and pays down as collections land. A typical first facility ranges from $150,000 to $450,000 depending on monthly media spend volume, client payment terms, and the concentration of your account base. Enter your contact information below to see how this would be structured for your operation.
Request a Capital Review. A capital advisor will review your assessment and follow up to discuss structure options.
Estimates are for advisory reference only. All structures subject to full financial review.
Built for Active Marketing & Media Companies
We work with established agencies and media operators managing live campaign spend, recurring client scopes, and payroll that runs well ahead of collections.
- Full-service marketing agencies running retainer and project work across multiple client accounts
- Media buying agencies fronting platform and network spend on card or net-15 terms
- Digital and performance marketing firms managing daily ad spend against monthly client billing
- Production and post-production companies carrying crew, equipment, and location costs before delivery
- Public relations and communications firms operating on monthly retainers with extended payment terms
- Out-of-home, broadcast, and creative studios holding inventory or capacity ahead of client payment
Most clients generate $200K to $1M+ in monthly revenue and carry recurring client relationships under contracted scopes or retainers.
Typical Working Ranges
Media spend bridge and payroll support
Account growth and production capacity
Large account onboarding and agency acquisition
All structures are tailored to media spend cycles and client payment terms.
Where Capital Is Deployed
- Media spend fronted ahead of client payment
- Production costs incurred before delivery
- Payroll and benefits across collection cycles
- Freelance talent and contractor payments
- Onboarding costs for new large accounts
- Platform and network prepayment requirements
- Studio, equipment, and post-production capacity
Structured Review Process
- 1.Initial conversation. A direct discussion of your account mix, monthly media spend, and how long clients take to pay.
- 2.Review of recent business performance. Recent revenue, billing history, and receivable aging reviewed against current obligations.
- 3.Capital structure options presented. Facility types, sizing, and terms laid out side by side with no obligation to proceed.
- 4.Facility sized to your spend cycle. Structure set in place ahead of the next campaign flight or production start, with room to scale as accounts are added.
A Capital Advisory Approach
We work directly with private capital sources and specialty lenders who understand agency and media operations. That means funding structured around fronted media spend, retainer and project billing cycles, and client terms that commonly run net 45 to net 60. Not generic terms from a bank that doesn't know the industry.
- Facilities sized to live campaign spend rather than last year's balance sheet
- Structures that account for a mix of retainer, project, and pass-through revenue
- Terms built around client payment cycles rather than fixed monthly schedules
- Long-term capital access as operations expand
Illustrative Structures
Illustrative examples of how capital is typically structured in this sector. These are composite scenarios for reference, not past engagements.
Situation
A performance marketing agency running $420K in monthly revenue wins a national account that adds $300K per month in media spend. The platforms bill on card and net-15 terms, while the new client pays net 60. The account is profitable, but the first three months require the agency to carry the spend before a single invoice is collected.
Structure Deployed
A $400K revolving working capital line secured against billed receivables, drawn as media spend is placed and repaid as client payments clear. Advance rates were set against the agency's existing collection history, and the line was sized to absorb the new account's ramp without touching operating reserves.
Outcome
The agency onboarded the account on the client's timeline instead of staging the spend over two quarters. Payroll and contractor obligations were met on schedule throughout the ramp, and the line was upsized once the account's payment pattern was established.
A performance marketing agency running $420K in monthly revenue wins a national account that adds $300K per month in media spend. The platforms bill on card and net-15 terms, while the new client pays net 60. The account is profitable, but the first three months require the agency to carry the spend before a single invoice is collected.
A $400K revolving working capital line secured against billed receivables, drawn as media spend is placed and repaid as client payments clear. Advance rates were set against the agency's existing collection history, and the line was sized to absorb the new account's ramp without touching operating reserves.
The agency onboarded the account on the client's timeline instead of staging the spend over two quarters. Payroll and contractor obligations were met on schedule throughout the ramp, and the line was upsized once the account's payment pattern was established.
Situation
A production and post-production company at $650K in monthly revenue holds four concurrent projects with crew, equipment rental, and location costs due before delivery. Two long-standing retainer clients have stretched payment from net 30 to net 60, leaving roughly $500K of completed work uncollected while the next production start is already committed.
Structure Deployed
A $500K structured credit facility combining a receivables-backed line for delivered work with a short bridge component covering pre-delivery production costs. The bridge portion was sized to specific project budgets and scheduled to retire as each delivery was invoiced and collected.
Outcome
Production continued without deferring the committed start date, and crew and vendor payments stayed current through the collection lag. As the retainer clients returned to their prior payment pattern, the bridge component wound down and the receivables line carried the ongoing cycle.
A production and post-production company at $650K in monthly revenue holds four concurrent projects with crew, equipment rental, and location costs due before delivery. Two long-standing retainer clients have stretched payment from net 30 to net 60, leaving roughly $500K of completed work uncollected while the next production start is already committed.
A $500K structured credit facility combining a receivables-backed line for delivered work with a short bridge component covering pre-delivery production costs. The bridge portion was sized to specific project budgets and scheduled to retire as each delivery was invoiced and collected.
Production continued without deferring the committed start date, and crew and vendor payments stayed current through the collection lag. As the retainer clients returned to their prior payment pattern, the bridge component wound down and the receivables line carried the ongoing cycle.