Factoring for creative agencies

• Cash flow challenge: Creative agencies facing long client payment terms, with cash flow often tied to project milestones or delayed retainers.

• Perfect for: Marketing, advertising, design, and production agencies managing multiple projects or retainers with extended billing cycles.

Novuna helps creative agencies unlock cash from unpaid invoices through tailored factoring solutions, either through our award-winning in-house service or by comparing providers and making sure you have a great deal for your situation.

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Keep your projects moving with reliable funding

Creative agencies often wait weeks or months for client payments to clear. Factoring helps bridge that gap by releasing most of an invoice’s value within 24-48 hours, improving cash flow and allowing you to focus on creativity, not collections.

This funding can be used to:

• Fund ongoing projects and production costs.

• Pay freelancers and suppliers on time.

• Invest in new technology, talent, or campaigns.

• Manage seasonal cash flow fluctuations with confidence.

Factoring gives agencies the freedom to operate smoothly while maintaining the flexibility to grow, pitch, and produce without delays.

How factoring supports creative and marketing agencies

• Agencies handling multiple high-value client projects.

• Studios or production houses paying teams ahead of client payment.

• Marketing firms waiting on campaign retainers or post-project settlements.

• Creative agencies managing supplier costs or equipment hire.

Benefits of factoring for creative agencies

• Immediate access to funds: Receive up to 90% of invoice value quickly.

• Improved liquidity: Keep projects on track without waiting for delayed payments.

• No new debt: Access funds already owed to you instead of borrowing additional capital.

• Less admin: Your factoring partner handles collections, freeing your team to focus on client work.

• Scalable funding: Facilities grow with your invoicing volume and project demand.

Boost your cash flow Speak to an expert

How factoring works

1. You issue an invoice once a project milestone or retainer invoice is complete.
   
   

2. You sell that invoice to a factoring provider.
   
   

3. Receive up to 90% of the value within 24-48 hours.
   
   

4. Provider collects payment directly from your client (or you, with confidential facilities).
   
   

5. Remaining balance released to you once payment is received, minus agreed fees.

Related funding solutions for creative agencies

• Invoice finance: Access funds across your full client ledger while keeping collections in-house.

• Working capital loans: Maintain liquidity for operational costs or project investment.

• Asset-based lending: Spread the cost of studio, production, or design equipment.

• Working capital loans: Cover short-term operational costs or project expenses with a flexible, fixed-term facility.

• Supply chain finance: Support your suppliers and freelancers with consistent, reliable payments.

How Novuna Business Cash Flow can help

We’ve helped creative agencies, design studios, and production companies across the UK improve cash flow and fund growth by releasing cash tied up in invoices. Our facilities are fast to arrange, transparent in cost, and tailored to the project-based nature of creative businesses.

Speak to our experts today and we will help you find a great fit for your situation.