Line of Credit for Marketing Company

Marketing companies can benefit immensely from a business line of credit. We have seen marketing firms, both small and large, expand their business with credit facilities from traditional banks. 

By Matthew Elling
Co-Founder and Consultant at Line of Credit Depot
Updated on February 10, 2021
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Marketing companies can benefit immensely from a business line of credit. We have seen marketing firms, both small and large, expand their business with credit facilities from traditional banks. 

When you are applying for a line of credit for your marketing firm, it’s important to understand what banks are looking for. You can check to see the general requirements for approval by checking your state here. Generally, banks are looking at these factors when analyzing a marketing firm for a line of credit. Keep in mind that the requirements for your business will differ by industry as well as State and other factors. 


Top Underwriting Criteria of Marketing Companies

-Time in Business

-Owner(s) Personal Credit Score

-Revenue of business

-Profitability of business


Each bank is different, so you should apply here to see what your marketing company can qualify for.
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Why would marketing companies benefit from a line of credit? The best use of borrowed money is to make more money with it! As an owner of a marketing company, you would most likely agree that your firm usually doesn’t buy products to sell, but charge clients for services. These services may have hard costs associated with them and can be utilized by the marketing company and sold to clients for a premium. Some of our marketing firms use a line of credit to function in this application. For example, if you bought advertising for a client and charged a fee based on management of the advertising spend, then you are leveraging line of credit funds as a reason to charge for a service.


People not in the marketing industry don’t understand all the moving parts and expenses associated with marketing. The copywriting, graphic design, copywriters, software and subscriptions…these things all add up. If a marketing company is waiting on Accounts Receivables to come in, they can use cash from the line of credit to pay for operation expenses and keep freelancers and/or employees paid.


When you are considering using a line of credit to help finance your marketing business, keep in mind that banks are all different. So even if you have been declined from the bank before, or just don’t know where to start, please apply here with a no obligation check to see what line of credit programs your marketing firm would qualify for.

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