Merchant Cash Advance for Marketing Agencies
Turn your agency's consistent revenue into immediate capital. Repayment automatically adjusts with your deposits. Busy months and slower months are handled naturally without stress.
How much funding do you need?
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Flexible Funding for Agency Revenue Patterns
Marketing agencies experience revenue variability from project completions, retainer changes, and seasonal client work. MCAs provide funding that adapts to these realities.
Project Completion Timing
Agency revenue often clusters around project completions and milestone payments. Some months have multiple completions, others fewer.
Retainer Variability
Clients add, reduce, or pause retainers based on their business needs. Monthly recurring revenue fluctuates more than expected.
Seasonal Client Work
Many clients have seasonal marketing needs. Q4 holiday campaigns, spring launches, and summer lulls create revenue patterns.
Passthrough Revenue
Media buys and production costs pass through agency accounts, creating deposit variability that differs from actual agency revenue.
Why Marketing Agencies Choose MCA
MCAs address the variable revenue reality of marketing agency operations.
Project Variability
Some months have more project completions than others. Fixed loan payments do not adjust to this reality.
Retainer Changes
Clients add, reduce, or pause retainers. Fixed payments ignore this natural business fluctuation.
Seasonal Clients
Some industries have seasonal marketing needs. Your revenue follows their business cycles.
New Client Ramp
New clients start slowly and build. Fixed payments do not match the revenue growth curve.
Lost Client Impact
Losing a client temporarily reduces revenue. Fixed payments become harder during transitions.
Cash Flow Timing
Client payments arrive on their schedule, not yours. Fixed payments ignore this timing variability.
Marketing Agency MCA Funding Process
Fast, straightforward process to get your agency funded.
Quick Application
Simple application with basic agency information. Bank statements show your revenue.
15 minutes
Revenue Review
We review your agency revenue patterns and deposit history.
Hours
Advance Offer
Receive your MCA offer with clear terms including factor rate and holdback percentage.
Same day
Fast Funding
Accept and receive funds deposited to your agency account.
24-48 hours
Funding That Matches Your Billing Cycles
A merchant cash advance provides capital based on your revenue, with repayment that automatically adjusts to your actual deposits. Busy month means higher payment. Slow month means lower payment.
Revenue-Based Repayment
Strong month means pay more. Slow month means pay less. Same percentage, different amounts.
Works With Agency Revenue
Retainers, project payments, and passthrough all count. We understand agency deposits.
Fast Access
Get funded in 24-48 hours. Take on that big client or cover media needs quickly.
No Collateral Required
Your future revenue is the collateral. No equipment liens or personal asset pledges.
Simple Qualification
Steady revenue matters more than perfect credit scores. Revenue performance is primary.
Use For Anything
Media buys, talent, software, expansion. No restrictions on fund use.
Marketing Agency MCA Funding Uses
How marketing agencies use merchant cash advances.
Media Buy Float
Cover client media spend while waiting for reimbursement. Keep campaigns running.
Typical funding: $25K-$150K
Talent and Contractors
Pay freelancers and contractors promptly regardless of client payment timing.
Typical funding: $20K-$100K
New Client Investment
Fund startup costs for new major client relationships before revenue arrives.
Typical funding: $25K-$75K
Seasonal Ramp
Scale up for holiday or seasonal campaigns with capital for increased activity.
Typical funding: $30K-$150K
Software and Tools
Cover annual software renewals and tool investments.
Typical funding: $15K-$50K
Growth Investment
Fund marketing, hiring, or capability expansion for agency growth.
Typical funding: $25K-$100K
MCA vs. Traditional Agency Financing
Compare merchant cash advances to other funding options.
| Feature | Merchant Cash Advance | Bank Term Loan | Line of Credit |
|---|---|---|---|
| Funding Speed | 24-48 hours | 2-6 weeks | 1-2 weeks |
| Payment Structure | Revenue percentage | Fixed monthly | Interest on draws |
| Credit Focus | Revenue-based | Credit score heavy | Credit important |
| Collateral | None required | Often required | Business assets |
| Revenue Flexibility | Automatic adjustment | No flexibility | Some flexibility |
| Documentation | Bank statements | Extensive | Moderate |
| Approval Rate | Higher | Lower | Moderate |
| Best For | Variable revenue | Stable revenue | Variable needs |
Marketing Agency MCA Requirements
Basic requirements for marketing agency merchant cash advances.
Operating Agency
Active marketing, advertising, or creative agency with client revenue.
6+ months in operation
Monthly Revenue
Consistent monthly revenue from retainers, projects, or campaigns.
$15,000+ monthly
Bank Statements
Recent business bank statements showing revenue deposits and cash flow.
3-6 months statements
Business Bank Account
Active business bank account where deposits and debits occur.
Business checking
No Active Bankruptcy
No active bankruptcy proceedings. Past bankruptcies evaluated individually.
No active bankruptcy
Revenue Consistency
Reasonably consistent revenue patterns, allowing for normal agency variability.
Consistent deposits
MCAs focus on agency revenue performance rather than personal credit. Agencies with lower credit scores can often qualify based on strong revenue.
Real Results
Digital First Agency
Digital Marketing Agency, Florida
The Challenge
The agency landed a major e-commerce client requiring $60,000 monthly in media spend. Client payments arrived Net 45 while platforms required immediate payment. Revenue also varied significantly month to month based on project completions.
The Solution
Merchant cash advance for $85,000 with 1.28 factor rate and 12% daily holdback. Funded within 36 hours of application.
The Result
Media float problem solved. The flexible repayment meant lower payments during a slow August and higher payments during busy Q4. E-commerce client became a $15K monthly retainer account. Fully repaid in 9 months.
“Fixed payments would have crushed us in August when we had a slow month. The MCA payment dropped naturally. Then Q4 was busy and we paid more. It matched our reality perfectly.”
Marketing Agency MCA Data
Statistics on merchant cash advances for marketing agencies.
MCA Benefits for Marketing Agencies
Advantages of merchant cash advances for agency operations.
Natural Revenue Alignment
Payments match your actual deposits. Busy months and slow months handled automatically.
Revenue-Based Qualification
Strong agency revenue can qualify you even with imperfect personal credit.
Speed to Capital
24-48 hour funding means you can act on opportunities and handle urgent needs.
Client Opportunity Capture
Take on larger clients requiring media float without cash constraints.
No Asset Pledge
Equipment and personal assets are not pledged as collateral.
Simple Documentation
Bank statements show your revenue. No extensive financial projections required.