• Holiday ad spend spikes during Black Friday and December shopping, straining cash flow.
• Flex’s Net-60 terms allow businesses to fund paid ads today and pay vendors 60+ days later.
• Bill Pay Later consolidates payments and delays cash outflow, giving more financial flexibility.
• Leveraging these tools helps businesses scale ad campaigns, protect working capital, and align repayment with holiday revenue.
• Strategic use of Net-60 can reduce stress, increase ad reach, and improve ROI during the busiest shopping season.

The following article is offered for informational purposes only, and is not intended to provide, and should not be relied on, for legal or financial advice. Please consult your own legal or accounting advisors if you have questions on this topic.

The holiday season is one of the most competitive times of the year for advertising. Black Friday/Cyber Monday (BFCM), and December shopping spikes drive up demand and, in turn, ad platforms like Google, Meta, and TikTok raise their prices for the season accordingly.

If your business wants to stand out, you’ll likely need to increase spend at exactly the time cash flow feels tightest. That’s where financing tools like the Flex Net-60 Credit Card and Bill Pay Later can help. Instead of pulling cash directly from your operating budget, you can invest in ads today and align repayment with the sales revenue you’ll generate during the season.

The Challenge of Holiday Advertising Budgets

Many small and mid-sized businesses face the same issue each year when Q4 comes around:

• Ad costs surge: Platforms can see 20–40% higher CPMs compared to non-peak months.
• Inventory spend overlaps: You’re also stocking up for higher order volumes of BFCM
• Cash gets tied up: Even when sales are strong, payments from customers or marketplaces may lag weeks behind, especially during higher-spend seasons.

This creates a perfect storm where your budget is stretched thin just when you need to spend the most. Without a plan, businesses may pull back on ads and miss out on peak sales opportunities.

How Flex Net-60 Helps You Fund Holiday Ads

The Flex Net-60 Credit Card gives you 60+ extra days to pay vendors, ad platforms, or invoices. That means:

• You can run campaigns today without dipping into cash reserves.
• You’ll have time to collect holiday revenue before repayment is due.
• Your business can scale ad spend with less risk, knowing that repayment aligns with your cash inflows.

Example Scenario

If you spend $25,000 on Meta ads starting November 1st:

• Normally, you’d need that cash upfront or within 30 days.
• With Flex Net-60, repayment isn’t due until January, long after you’ve converted holiday shoppers.

This creates breathing room to keep campaigns live during the most competitive weeks.

Using Bill Pay Later to Extend Flexibility

In addition to Net-60, Flex’s Bill Pay Later tool offers another advantage: Flex customers can access a line of credit to pay vendors, allowing them to utilize our 60+ days of float for paying ad vendors back.

With Bill Pay Later, you can:

• Consolidate ad spend across multiple platforms into one place on our unified platform.
• Delay payments while ensuring vendors and platforms are still paid on time.
• Free up working capital for other seasonal priorities like shipping, packaging, or customer service.

This flexibility helps you balance multiple financial pressures without sacrificing growth.

Benefits of Leveraging Flex for Holiday Ad Spend

When you combine net-60 with Bill Pay Later, your business can gain a competitive edge during the busiest shopping season of the year.

Key benefits include:

• Stronger cash flow management: Ads can be financed with future revenue instead of current reserves.
• Increased ad reach: Scale campaigns without worrying about immediate cash strain.
• Reduced stress: No need to choose between funding ads and covering operational expenses.
• Strategic timing: Align repayment directly with when revenue is actually collected.

Tips to Maximize ROI with Net-60 This Season

Flex customers can use Net-60 as part of a broader holiday growth strategy. Consider:

• Budgeting smartly: Set campaign budgets based on expected sales lift, not just available cash.
• Diversifying platforms: Don’t put all your spend into one channel. Instead, leverage multiple ad platforms for broader reach.
• Plan repayment windows: Forecast holiday revenue timing so repayment aligns smoothly.
• Leverage insights: Use early campaign performance to double down on top-performing ads before Cyber Week.

Quick Comparison: Traditional Funding vs. Flex Net-60

Position Your Business for a Stronger Holiday

The holidays come with both opportunity and the potential for financial strain. By using Flex’s Net-60 and Bill Pay Later tools, you can:

• Stay competitive in crowded ad auctions.
• Protect your working capital during a high-spend season.
• Invest with confidence knowing repayment is tied to real revenue.

Rather than letting cash flow dictate your ad strategy, let your holiday ad strategy drive growth and let Flex handle the timing.

Final Thoughts

Holiday advertising doesn’t have to strain your finances. With Flex Net-60 and Bill Pay Later, businesses can invest in their most critical campaigns, maximize reach, and align repayment with revenue.

Taking advantage of these tools ensures that cash flow supports growth—not the other way around. By planning strategically, forecasting revenue, and leveraging Flex’s flexible payment solutions, you can enter the holiday season with confidence and position your business for record-breaking results.