Opal has built a credit card program tailored specifically to advertising agencies, extending credit limits that can reach seven figures by underwriting against the millions of dollars those agencies manage in client ad spend rather than their own revenue. The card offers 1% or more cash back on all ad expenditures and includes a fraud-detection system calibrated to recognize common charges from platforms like Google and Meta so campaigns are not inadvertently paused. Traditional banks typically cap agency credit at roughly $50,000, a gap Opal aims to close by aligning limits with true spending needs. Customer feedback pushed the company to pivot fully into credit issuance despite its founders’ lack of prior banking background. With its newly announced seed financing, Opal is focused on scaling issuance to more agencies and refining its ad-specific risk models. The company’s early traction is evidenced by investor confidence; the entire seed round was closed in just four hours. Beyond credit, Opal plans to continue building financial products that solve cash-flow challenges unique to the advertising industry.

Total raised

$8M

Funding rounds

2

Latest round

Seed

Latest activity

Mar 2026