In the digital advertising world, having a line of credit with Google Ads can offer various advantages, especially for agencies, large businesses, or advertisers with multiple accounts. In this blog post, we’ll walk you through the process of applying for a monthly invoicing credit line with Google Ads, covering eligibility requirements and the application steps.

Why Get a Line of Credit with Google Ads?

Before we delve into the application process, let’s briefly discuss why you might consider getting a line of credit with Google Ads. Common reasons include:

  1. Agency Payments: If you manage ad spend on behalf of clients, a credit line can streamline payments to Google.
  2. Large Business Spending: For businesses investing heavily in Google Ads, having Net 30 Terms with Google can be beneficial.
  3. Multiple Ads Accounts: If you run multiple Google Ads accounts, using a credit line can enhance compliance and streamline payments.

Eligibility Requirements

To qualify for a monthly invoicing credit line with Google Ads, you need to meet specific criteria:

  1. Active Google Ads Account: Your Google Ads account must be in good standing for at least one year, with a positive payment history.
  2. Minimum Monthly Spend: You should have a minimum monthly ad spend of $5,000 for any three of the last 12 months.
  3. Business Registration: The applying business must be registered for at least one year.

Application Process

Now, let’s walk through the steps to apply for a line of credit with Google Ads:

  1. Create a Google Ads Manager Account: If you don’t have one, create a Google Ads Manager Account, acting as a parent account for child accounts.
  2. Visit the Application Page: Go to the Google Ads help area and find the “apply for monthly invoicing” page. Click on “contact us” and choose “apply for monthly invoicing.”
  3. Fill Out the Form: Provide necessary information, including your Google Ads login email, company registration details, and contact information.
  4. Attach Required Documents: Upload business registration documents, such as Articles of Incorporation, to validate your business’s legitimacy.
  5. Specify Credit Line Amount: Request a credit line amount higher than your planned monthly spend but aligned with your historical ad spend.
  6. Select Google Ads Customer ID: Choose the specific Google Ads account ID associated with the account where ad spend occurs.
  7. Submit the Form: Review the information, double-check for accuracy, and submit the form.


After submitting the form, you’ll receive a confirmation. In the following days, Google may request additional information or clarification. Once approved, your payments profile will change, and you’ll receive monthly invoices with a Net 30 payment term.

You can also associate a Google Ads credit line with multiple accounts, making it convenient for agencies or businesses with multiple ad accounts.

In summary, having a line of credit with Google Ads can simplify payments and enhance financial flexibility but one must meet the requirements listed above to be able to qualify. Follow the outlined steps, and if you encounter any issues, seek assistance from professionals.

Seeking Expert Assistance

If navigating the digital advertising world is challenging for you or your business, consider seeking expert assistance. Professionals with experience in Google Ads, like our team at StubGroup, can provide valuable insights and guidance tailored to your specific situation. Get in touch now if you need support in building your advertising plan.