Invoice Finance for Creative Agencies
Creative agencies, marketing, design, digital, PR, and advertising, often front significant costs (freelancers, media buying, production) before invoicing clients on 30-60 day terms. Invoice finance closes this cash gap by advancing funds against your client invoices so you can pay your team and suppliers on time.
Agency-specialist lenders understand project-based billing, phased invoicing, and the mix of retained and project work that characterises creative businesses. Confidential facilities ensure your client relationships are unaffected.
Key Benefits
- Pay freelancers and media costs without waiting for client payment
- Confidential facility preserves client relationships
- Scales with your billings, win more work, get more funding
- No property security needed
Frequently Asked Questions
Can project-based invoicing be funded?
Yes. Whether you bill on milestones, completion, or monthly retainer, each invoice can be funded. Lenders may ask for client sign-off on milestones before advancing.
What about media pass-through costs?
Invoices that include media pass-through (e.g. ad spend recharged to clients) are funded based on the full invoice value. Lenders understand the agency model of passing through third-party costs.
Can a new agency get invoice finance?
Yes. If you have strong client contracts with creditworthy businesses, lenders will consider start-up agencies. A track record at a previous agency and pipeline of confirmed work helps.
How quickly can I access funds?
Once your facility is set up (5-10 working days), individual invoices are typically funded within 24 hours of submission and approval.
Invoice Finance calculator
Move the sliders for an instant estimate. Free to use, no sign-up.
Cash advanced now
£42,500
Fee
£750
Net received
£49,250
Held back
£7,500
Illustrative estimate only, not a quote or financial advice. A broker will confirm exact terms based on your circumstances and lender appetite.
Related Funding Options
Invoice Finance UK
Release cash tied up in unpaid invoices. Invoice factoring and discounting for UK businesses. Advance up to 90% of invoice value within 24 hours.
Revolving Credit for Creative Agencies
Flexible credit facility for UK creative, marketing, and digital agencies. Manage freelancer costs and project cash flow.
Unsecured Business Loans for Professional Services
Growth funding for UK consultancies, IT firms, accountancy practices, and law firms. No property security required.
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Get matched with lendersCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.