The advertising agency faced challenging choices, such as implementing layoffs and pay cuts. To navigate financial hurdles, they opted to acquire a term loan. They secured $300,000 to address payroll and operating expenses for 6-8 months, showing how an advertising agency gets creative in times of need. The loan’s five-year term and absence of a prepayment penalty allowed them to pay back the money early if business picked up. This further highlighted the agency’s resourceful approach to financial management.


The loan aided the advertising agency in covering operating expenses and staying afloat during the pandemic. It also allowed them to buy new equipment and rehire their employees. The loan was a lifeline for the advertising agency and helped them get back on their feet.

Loan approval criteria vary among lenders, but you must consider some general factors. Strong financials demonstrate your ability to repay the loan to lenders. A good credit history signals to lenders that you are a low-risk borrower.

This agency found ways to secure clients that were reopening by using their creative advertising staff to promote their own services. The financing allowed them to focus on their business and relieved the stress of micromanaging their cash flow.

Luckily, their business picked up to the point where they were able to repay the loan with 12 months after taking it out. The loan had no prepayment penalties, benefiting from reduced interest expenses.

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