Canadian agency financing for uneven client cash flow.
Clients pay net-30 or net-60. Payroll runs every two weeks. Media bills come at the start of the month. Get a working-capital line that flexes with your AR and the term financing that grows your team without selling equity.
Funding for your day-to-day marketing agencies needs.
- Cover payroll between client invoices and net-60 payment cycles
- Float client media spend on your balance sheet for credibility wins
- Add senior hires ahead of a known account ramp
- Fund payroll and client costs while keeping existing obligations affordable
- Acquire a smaller agency or specialist team
Financing options for your Canadian business.
Working capital is a common starting point where appropriate. Term loans may also be available, with each offer and schedule set by the lender.
Line of Credit
For the strongest business and credit profiles only. May be considered for payroll and client costs, subject to lender review and offer terms.
Learn more →Invoice Financing
Advance against approved client invoices and stop running the agency on a personal credit card.
Learn more →Term Loan
Senior hires, office buildout, or acquiring a sub-agency: clean fixed payments.
Learn more →Revenue-Based Financing
An option for agencies with uneven revenue, subject to lender review and offer terms.
Learn more →Start with the right information.
Working-capital applications are generally considered for Canadian businesses with at least six months in operation and at least $10,000 in monthly revenue. Approval depends on lender review, and additional documents may be requested.
What to prepare
- Recent business bank statements
- Existing financing obligations
- How you intend to use the funds
Three steps from application to lender decision.
Apply in minutes
Share your business details and connect your bank or upload recent statements.
Compare real offers
See every product your business qualifies for side-by-side. No estimates, no bait pricing.
Review the offer
If approved, review the lender’s schedule, costs, and conditions before you decide.
Canadian marketing agency financing: common questions.
I have concentration risk: one client is 40% of revenue. Does that hurt?+
Concentration is part of lender review. Available options may include a smaller advance, invoice financing tied to the specific client, or a smaller line of credit.
Can I float client media spend with this?+
Media-spend floating may be considered through working capital or invoice financing, subject to lender terms.
We're mostly remote. Does that matter for underwriting?+
No. Modern lenders underwrite remote-first agencies the same as office-based ones. Revenue and AR profile drive the decision.
Can I finance an acquisition of another agency?+
A term loan may be considered for a small-agency acquisition, subject to lender review and documentation.
What about retainer-based revenue?+
Recurring retainer revenue helps lenders assess the AR profile, but pricing and approval depend on the full application.
Other industries we fund.
Ready to fund your company's future?
Start your Canadian business funding application online. An advisor will review your needs and explain any available lender offers.