If you’re not getting paid quickly for selling your products or services, your money is not working efficiently for you.

You need to get paid quickly in order to have sufficient cash flow for your business expenses, such as, advertising cost for generating more traffic, leads and customers. If you’re not getting paid quickly enough, your money is not making more money for you -- it's just sitting in someone else's account.

You can stretch your marketing dollars by taking advantage of post-pay billing offered by most traffic platforms -- they usually charge your credit card 30 days after you incur any advertising expenses.

With post-pay billing, you can pay your advertising expenses AFTER you get paid for selling your products or services.

In addition, any charges on your credit card after the closing date will not be billed for another 30 days; you can find the closing date for any credit card on your bill.

If you qualify, you can apply for monthly invoicing from Google Adwords and other advertising platforms. This is like getting a line of credit for up to 6-7 figures for your advertising costs. You can also get a business loan from PayPal and other companies. (See below to get more details).

Post-Pay Billing and Other Ways to Delay Paying Your Advertising Costs

• BingAds.com allows you to pay by credit card or PayPal. You can choose post-pay threshold as your payment method.
  • When you pay: As an advertiser with post-pay threshold account, you pay when you reach your monthly billing date or when you reach your billing threshold, whichever comes first.
  • What you need to know: Your monthly billing date is the day of the month that you signed up for Bing Ads. This date cannot be changed.
  • Your billing threshold is set by Bing Ads and increases over time as you make successful payments. You can set your billing threshold to a much smaller amount, if you want. For example, I prefer to pay smaller amounts frequently instead of paying a large bill monthly. Just do what's comfortable for you.
• If you’re using Facebook advertising, Facebook.com allows you to pay for advertising by credit card or PayPal similar to BingAds.com. They allow post-pay threshold as your payment method.
• Google.com/adwords allows you to pay by credit card similar to BingAds.com. You can also choose post-pay threshold as your payment method.
  • You can also apply for monthly invoicing from Google. You can get a line of credit for your advertising costs and you will receive an invoice each month from Google.
  • You can apply for monthly invoicing if you meet the following initial requirements (which may change):
    • Be registered as a business for a minimum of one year.
    • Spend a minimum of $5,000 a month (this can vary by country) for any 3 of the last 12 months.
• If you spend $10,000-$50,000 a month on advertising, some traffic platforms will also consider giving you a line of credit for your advertising cost up to $1 million; this is similar to monthly invoicing from Google Adwords. Check with your advertising platform for their requirements.

Simple Ways to Fund Your Rapid Business Growth

You can get a business loan and use the money to pay for advertising costs and other business expenses.

• PayPal Working Capital is a business loan that you can repay with a share of your sales. In order to apply, you must process your payments with PayPal for at least 3 months and have over $20,000 in PayPal sales within 12 months. No credit check is required. Businesses that qualify can get funding in minutes.
• American Express -- If you're using your American Express to pay for advertising and other business expenses, you may be able to get a loan from them. They've emailed me multiple times to offer me a loan, but I have not taken them up on their offer. The 3-step acceptance/application process looks pretty easy.
• Fundera.com Funding Process -- Fill out a brief questionnaire and answer a few questions. In just a few minutes, you will find out which loan products you qualify for.
• Compare Small Business Loans for Good, Average and Bad Credit -- Use NerdWallet.com’s free interactive tool to compare small-business loans of up to $1 million.
• Small Business Loans -- Get SBA loan offers from $50,000 to $350,000 with low 6.96% to 8.18% APRs (variable) and low monthly payments.

Paid marketing allows you to buy rapid results. When your ad is approved and it starts running, you can start getting more traffic, leads and customers on demand -- you can fast-track your sales and profits.

Keep re-investing your profits to buy more and more advertising. The more traffic, leads and customers you have, the more sales you can get and the more profits you can make. This is the fastest way to grow your business.