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Cashflow.

Practical thinking on profit, pricing, margins and what the numbers really mean for agency founders.

Cashflow · 11 min read

Debtor Days for Agencies: What They Mean and How to Reduce Them

Debtor days measure how long it takes your clients to pay you. For marketing agencies, high debtor days are a silent cash flow killer, tying up money you need to pay your team and grow. This guide explains how to calculate your debtor days, set a healthy target, and implement clear processes to get paid faster and build a more resilient agency.

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Cashflow · 11 min read

Agency Cash Flow: Why You're Billing Well but Still Short on Cash

An agency cash flow gap happens when your billed revenue doesn't match the cash in your bank. This is often caused by slow client payments, upfront costs, and poor payment terms. Fixing it requires managing your cash conversion cycle, tightening credit control, and building a cash reserve to smooth out the bumps.

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Cashflow · 10 min read

Client Deposits for Agencies: Getting Paid Before Work Starts

This guide shows marketing and creative agency owners how to implement client deposits effectively. You'll learn the commercial benefits of getting paid upfront, how to calculate the right deposit amount, and how to present this policy to clients professionally. Adopting this approach protects your cash flow, reduces client risk, and builds a more financially stable agency.

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Cashflow · 10 min read

Invoicing Best Practice for Agencies: Getting Paid On Time Every Time

Learn the agency invoicing best practice framework used by profitable marketing and creative agencies. This guide shows you how to design a clear invoice process, set firm payment terms, and automate follow-ups to dramatically reduce late payments. Implement these steps to improve cash flow and stop chasing clients for money.

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Cashflow · 8 min read

Agency Payment Plans for Large Projects: How to Structure Them

Learn how to structure agency payment plans for large projects to protect your cash flow and profitability. This guide covers milestone billing, staged payments, and project payment structures that align client payments with your costs. Get practical frameworks to avoid funding client work and ensure you get paid fairly for every phase.

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Cashflow · 9 min read

Direct Debit Collection for Agencies: Automating Client Payments

Learn how to implement direct debit agency payments to automate client billing and get paid on time, every time. This guide covers the practical steps, tools like GoCardless, and the commercial impact on your agency's cash flow and profitability. Stop chasing invoices and start focusing on client work.

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Cashflow · 10 min read

Payment Chasing for Agencies: Templates and Tactics That Work

Learn how to build a professional, effective payment chasing system for your agency. This guide provides ready-to-use email templates, a clear escalation process, and preventative strategies to reduce late payments. Improve your cash flow by getting paid on time, every time.

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Cashflow · 9 min read

Aged Debtor Reports: How Agencies Can Use Them to Get Paid Faster

An aged debtor report is a simple list showing which clients owe you money and for how long. For marketing agencies, it's the most important tool for getting paid on time and protecting cash flow. This guide shows you how to create, read, and act on your report to turn overdue invoices into cash in the bank.

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Cashflow · 11 min read

PPC Agency Cash Flow: Managing the Gap Between Ad Spend and Client Payments

This guide explains how PPC agencies can manage the critical cash flow gap between paying for client ad spend and receiving client payments. You'll learn practical strategies for billing timing, client agreements, and building working capital reserves. These steps protect your agency from financial strain and fuel sustainable growth.

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