Turn Unpaid Invoices into Working Capital
Media spend, contractor payments, and software costs are paid out of pocket.
First wave of net-30 client invoices come due and many are still unpaid.
Some clients settle here, but cash is still tied up from Day 0 spend.
Slower-paying clients or networks finally settle, three months after cost was incurred.
It depends on the structure. Some facilities are notification-based, where the funding provider is disclosed to your customer, and others can be structured confidentially. We will walk through which options are available for your specific client mix.
Yes. Recurring retainer invoices are often viewed favorably because the billing pattern is predictable. What matters most is that the invoice represents work already delivered to a creditworthy business customer.
Customer concentration is a real underwriting factor, but it is common in agencies and not disqualifying. It generally affects advance rates and may make credit insurance worth considering to reduce exposure to a single payer.
Sometimes, through PO or media financing rather than factoring. This is more situational and depends on the strength of the commitment behind the spend. It is often paired with a factoring line so the two work together as campaigns convert to invoices.
Initial review and matching typically takes 24 to 72 hours, with diligence running one to two weeks. Once a facility is in place, funding against new invoices is usually same day or next business day.
