Spinach: managing large agency payment terms

Spinach is a New Zealand creative and marketing agency. Their clients — often large brands and corporates — pay on 45-60 day terms. Their team needs to be paid fortnightly.

The challenge

Like many professional services firms, Spinach delivers campaigns, creative work and strategy — then waits up to 60 days for large clients to pay. The mismatch between when work happens and when payment arrives makes it difficult to plan ahead and limits how much they can grow.

How they use Fundtap

Spinach selectively funds invoices from their largest clients when timing is tight — particularly around payroll periods or when taking on new hires ahead of a new contract.

The result

• Team paid on time regardless of when clients settle
• Able to hire ahead of confirmed contracts
• Clients continue to pay as normal — completely confidential
• One flat fee per invoice — easy to account for, no surprises

All case studies  •  Invoice finance for professional services