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Marketing agencies · Ireland
Marketing agency
business loans.
Marketing agencies pay salaries, freelancers and software upfront, then wait for clients to pay retainers and project invoices on 30, 60 or 90-day terms. Winning a bigger account can squeeze cash hardest of all. We help Irish marketing, digital, SEO and branding agencies compare invoice finance, term loans and asset finance through specialist lenders.
Invoice finance for unpaid client invoices
Release the cash you've already earned while clients pay retainer, campaign and project invoices on 30, 60 or 90-day terms.
- Advance of up to 95% of unpaid invoice value
- Finance can cover your whole sales ledger as it grows
- One-off or ad hoc invoice finance starts at €100,000 per invoice
- Suits agencies billing business clients — retainers, campaigns, branding and digital projects
- A revolving facility, so it grows and shrinks with your billing
Term loans for hiring and growth
Fund a senior hire, an office move, new software or a new-business push and repay on a fixed schedule.
- Unsecured term loans from €5,000 to €500,000
- From 12 months trading with one year’s accounts
- Annual turnover of €100,000 or more and a net profit
- No recent missed payments on bank statements
- Agencies from around 9 months trading with steady deposits (about 8 a month) can look at flexible repayment loans instead
Asset finance for office and production equipment
Spread the cost of the kit the agency runs on instead of paying for it in one go.
- Hire purchase or leasing for suitable new or used assets
- Workstations, servers, cameras, lighting, podcast and video kit, and office fit-out
- Leasing with no deposit on smaller items, and finance on suitable vehicles from €10,000
- A supplier quote helps us compare the options
- In some cases, loans secured on equipment you already own can work — assessed case by case
Finance is subject to lender assessment. Unsecured term loans are not registered against property or business assets, but some lenders ask directors for a personal guarantee. Equipment-secured loans are assessed case by case.
Why agencies come to us
You deliver the work before the client pays for it
Agency cash flow runs backwards. Salaries, freelancers, ad spend management and software subscriptions go out while the work is happening — the client's invoice lands afterwards and gets paid weeks later again. Landing a bigger retainer means a bigger gap to fund, and growth decisions come in lumps too: a senior hire, an office move, or a new-business push that needs investment before it wins anything.
Invoice finance turns issued invoices into cash now, a term loan funds hiring, software or an office move on a fixed schedule, and asset finance spreads the cost of workstations, servers, cameras, podcast and video kit, and office fit-out over their working life.
Coming from a different angle? Our invoice finance page explains how the facility works, the unsecured business loans page covers term-loan criteria in detail, and the advertising & media page looks at funding for creative and media agencies.
Guides for your industry
2 November 2026
Invoice Finance Ireland for Growing SMEs
Release cash tied up in unpaid B2B invoices. Understand factoring, invoice discounting, lender fees and the documents Irish SMEs need.
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21 April 2026
Working Capital Finance as Costs Rise for Irish SMEs
How Irish SMEs can manage rising costs and cash-flow gaps: compare working capital finance, understand interest-rate risk and check repayments before borrowing.
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21 October 2026
Professional Services Business Expansion Loans: 2026 Guide
How professional services firms fund growth without draining cash reserves: comparing unsecured loans, asset finance and invoice finance, what lenders look for, the documents to prepare, and the mistakes that delay funding.
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27 October 2026
How to Prepare a Cash Flow Forecast for Your Small Business
A step-by-step guide to building a 12-month cash flow forecast for your small business in Ireland, with a worked example, a simple template layout and tips for keeping a rolling forecast up to date.
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Common questions
Can I get finance against unpaid client invoices?
Yes. Invoice finance advances up to 95% of the value of invoices you've already issued to business clients, so a 60 or 90-day payment term doesn't have to be funded from your own cash. One-off or ad hoc invoice finance starts at €100,000 per invoice.
We pay staff and freelancers before the client pays us — can that be funded?
Often, yes. Invoice finance releases cash against the invoices you've raised, and a term loan can cover a known gap on a fixed repayment schedule. Lenders look at your trading record and the strength of the clients you're billing.
Do I need assets to qualify for a loan?
No. Unsecured term loans are not registered against property or business assets, so an agency whose value is its people can still borrow on its trading record — though some lenders ask directors for a personal guarantee.
What do lenders look for?
For unsecured term loans, lenders typically want at least 12 months trading with one year's accounts, turnover of €100,000 or more, a net profit and clean recent bank statements. Limited company, Sole trader, Partnership accounts can all work.
Free to you. Lenders pay us a commission when your loan completes. How we get paid