Fast
Online application in 5 minutes. Funds deposited the next business day — before next Friday's payroll run.
Advertising & Marketing Firm Funding
Marketing Agency Funding for Agencies & Studios
Fast, flexible, responsible marketing agency funding from $5,000 to $5,000,000 — funded in as little as 24 hours, with no hard credit pull to apply. Coast Funding has financed advertising agencies, digital shops, PR firms, and creative studios across all 50 states since 2014.
4.8 / 5 on Trustpilot
No Hard Credit Pull
Funded in 24 Hours
Last reviewed: May 12, 2026 · Coast Funding Editorial Team
2014
Funding since
50
States served
$1B+
Deployed to operators
412
Verified reviews
Why Coast Funding
Why Agency Owners Choose Coast
Agencies face funding challenges traditional banks aren't built to solve: Net-60 and Net-90 client AR, lumpy retainer revenue, ad-spend pass-throughs, and the constant pressure to fund payroll between client invoices. Our team has been financing agencies since 2014 and approves advertising agency loans based on deposits and client AR — not just credit scores.
Flexible
Six funding products built for agencies — from $5K bridge advances to $5M equipment financing for in-house studios.
Responsible
The only funding partner committed to guiding clients to responsible decisions — not just the biggest check.
Funding Options
Marketing Firm Funding Options
Whether you need to bridge Net-60/90 client invoices, front this month's Meta and Google ad spend, or capitalize an agency acquisition, we have a program built for it.
Working Capital
Agency Working Capital
$5,000 – $2,000,000 · 3–24 months
Cash upfront to bridge Net-60 and Net-90 client invoices, cover payroll between retainer cycles, or fund a new business pitch push. Approval driven by deposits and AR.
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Line of Credit
Agency Line of Credit
$10,000 – $500,000 · Revolving
Front Meta, Google, TikTok, and programmatic ad spend. Only draw what you need, repay when the client AP cycle clears. Monthly rates from 2.99%.
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Receivables Financing
Agency Receivables Financing
$10,000 – $1,000,000 · Sales-based
Factor AOR retainers, MSA invoices, and large project receivables. Advance against unpaid invoices so your team gets paid this week, not in three months.
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Equipment Financing
Agency Equipment Financing
$10,000 – $5,000,000 · 2–5 years
Finance cameras, lenses, lighting, edit suites, server infrastructure, and multi-year software licenses (Adobe, Frame.io, Figma, HubSpot) with fixed monthly payments.
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Business Term Loan
Agency Term Loan
$10,000 – $1,000,000 · Up to 5 years
Fixed-term capital for agency acquisitions, freelance book roll-ups, rebrands, and new market expansion. Predictable monthly payments.
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Bridge Advance
Bridge Advance
$5,000 – $500,000 · Short-term
Short-term bridge capital while waiting on slow client AP cycles. Get paid in days, not 90 days. Perfect for funding payroll and freelancer invoices on a deadline.
Apply for a bridge advance →| Program | Amount | Term | Best For |
|---|---|---|---|
| Business Line of Credit | $10K – $500K | Revolving | Ad-spend pass-through, monthly rates from 2.99% |
| Working Capital | $5K – $2M | 3 – 24 months | Bridge Net-60/90, payroll, new business |
| Receivables Financing | $10K – $1M | Sales-based | AOR retainers, MSA invoices, large projects |
| Equipment Financing | $10K – $5M | 2 – 5 years | Cameras, edit suites, software licenses |
| Business Term Loan | $10K – $1M | Up to 5 years | Agency acquisition, expansion, rebrand |
| Bridge Advance | $5K – $500K | Short-term | Slow client AP cycles, freelancer invoices |
All rates, terms, and amounts are illustrative and subject to underwriting, borrower qualifications, and applicable state regulations. Certain programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720.
Your Funding Roadmap
How to Apply for Marketing Firm Funding
Three steps. Five minutes to start. No hard credit pull, no application fees.
Complete the application
5-minute online form plus 4 months of business bank statements (or link via Plaid). No fees, no obligation.
Review your offer
A Business Funding Advisor calls you within hours with pre-qualified offers matched to your client AR cycle.
Sign and get funded
Funds can be deposited into your business account in as little as 24 hours after the signed agreement.
$10K+
Minimum monthly gross revenue to qualify for most programs
Agency Qualifications
Approved by Deposits — Not Just Credit
We approve based on deposit cadence, client AR aging, time in business, and recurring retainer revenue — not a credit score in isolation. Here's exactly what underwriting reviews.
Minimum Requirements
- 6+ months in business (3 months for select programs)
- $10,000+ in monthly gross revenue (retainers, projects, or AOR billings)
- U.S.-based business with a business bank account
- Valid government ID and business documentation
What We Review
- Last 4 months of business bank statements
- Client AR aging and recurring retainer cadence
- Time in business and ownership structure
- Ad-spend pass-through volume (for line-of-credit sizing)
Common Use Cases
What Agencies Use Coast Funding For
From bridging a Net-90 invoice to acquiring a competing agency, our agency clients deploy capital in four recurring patterns.
Bridge Client Invoices
Front Campaign Spend
Hire Talent
Acquire an Agency
Frequently Asked Questions
Marketing Firm Funding FAQ
The 10 questions agency owners ask us most.
How do I bridge Net-60 or Net-90 client invoices?
Agencies use working capital or receivables financing to bridge the gap between issuing a Net-60 or Net-90 invoice and getting paid. Coast Funding can advance against unpaid AOR retainers and MSA invoices so your team gets paid this week, not in three months.
Can I get funding to front Meta, Google, or TikTok ad spend?
Yes. A Business Line of Credit is the most common solution for ad-spend pass-throughs. Draw what you need to fund this month's media buys, bill the client, and repay the line when the client AP cycle clears — typically 30–90 days later.
Does Coast Funding finance ad-spend pass-through?
Yes. Coast Funding underwrites ad-spend pass-through arrangements where the agency floats media buys for clients. We look at trailing 4 months of bank deposits and recurring client invoices to size a revolving line that matches your media-buying volume.
Can I finance cameras, edit suites, and software?
Yes. Equipment financing covers cameras, lenses, lighting, edit suites, production gear, server infrastructure, and multi-year software licenses (Adobe Creative Cloud, Frame.io, Figma, Asana, HubSpot, etc.). Terms run 2–5 years with fixed monthly payments.
Can I get funding to acquire a competing agency?
Yes. Agency acquisition financing is one of our most common use cases — buying a competitor, rolling up a freelance book, or acquiring a niche specialty shop. We can fund the purchase plus working capital for the integration period.
Can I use funding to hire senior talent and freelancers?
Absolutely. Hiring is the most cited use of agency funding. Whether you're paying signing bonuses for a senior strategist, fronting freelance invoices for a campaign push, or building out a new service line, working capital and lines of credit are designed for it.
How much marketing firm funding can I qualify for?
Most agencies qualify between $25,000 and $500,000 based on monthly deposits and AR aging. Established agencies with strong financials can qualify for up to $5 million via equipment financing or acquisition term loans. A common rule of thumb is one to two months of gross billings.
Can I get an agency loan with bad credit?
Yes. Coast Funding works with agency owners across the credit spectrum. Our underwriters weigh recent deposits, client AR, and time in business — not just credit scores. Bad-credit borrowers typically qualify for working capital or receivables financing.
Does applying hurt my credit score?
No. There is no hard credit pull to apply with Coast Funding. A hard inquiry occurs only if a specific product requires it after you accept an offer.
Is Coast Funding licensed?
Yes. Certain Coast Funding programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720. Coast Funding Services LLC is headquartered in San Diego, California.
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Coast Funding serves small businesses across these industries and many more.
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