Capital for your next creative project — Crealo Creative Financing
Independent studios and freelance creatives get working capital for equipment, payroll, or cash flow gaps. Fast matches with lenders who understand your billable model.
Soft credit check only. Your score remains untouched.
- Invoice factoring
- Revenue-based financing
- Working capital
- Retainer billing
- Equipment leasing
- Project cash flow
- Accounts receivable
- Scale capital
Creative freelance and agency business financing
Financing options matched to your situation, in one place.
- GROWTH Agency growth capital Access term loans to scale headcount or expand studio office space.
- EQUIPMENT Design studio equipment Lease or buy hardware and software needed for your production pipeline.
- FLOW Invoice factoring Get paid immediately on pending invoices while waiting for net-60 terms.
- CREDIT Creative business credit Establish a revolving line of credit for recurring operational expenses.
- $5K–$750K Funding amounts available
- 24–48 hours Typical approval timeline
- 1 soft pull Inquiry impact on credit
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Industry expertise
- We only partner with lenders familiar with agency billable models.
- Lenders who value long-term client contracts over physical collateral.
No predatory terms
- We prioritize lenders with transparent, fixed repayment schedules.
- No hidden application fees or confusing origination clauses.
Simple process
- Single inquiry triggers offers from our vetted network.
- Your data stays private and is only shared with relevant lenders.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Thin hard assets
Banks want physical inventory, which agencies rarely hold.
Unpredictable revenue
Traditional underwriters dislike the feast or famine agency cycle.
Short business history
Startups often fail bank credit checks under 24 months.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Boutique UX design firm
Purchasing new workstations and hiring two senior developers.
Independent photographer
Upgrading camera bodies and lighting kits for a national campaign.
Digital agency
Bridging 90-day wait on payments from Fortune 500 client invoices.
Social media boutique
Managing seasonal payroll spikes during Q4 high volume.
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