Welcome to the AdWords forum konaandcooper. Google will work out invoice arrangements but that is generally for advertisers who spend more than $10,000 per month who have provided credit references. I'm not aware of exceptions to that policy.
<added>It could be this is just UK still:
[webmasterworld.com...] </added>
I've not tried the prepayment process yet, but I believe the restrictions on such a large amount have been reduced.
<added>It could be this is just UK still:
[webmasterworld.com...] </added>
Payment options will actually vary depending on country and currency. Please follow the links below, from the AdWords FAQ, for more detailed info:
What are my payment options?
[adwords.google.com...]
Account Fees and Payment Options
[adwords.google.com...]
AWA
I looked at this page last night:
[adwords.google.com...]
and there is no 'prepay' information on it if your in the U.S. If you're in U.K., then suddenly prepay info shows up. This makes it look like prepay isn't available in the U.S. at all.
We have been working hard to optimize to reduce these costs.
Many of my competitors rank well, but we have struggled with Google.
The site seems to be very relavant in content, over 75 pages, and good moderate use of keywords.
Bottom line, we are lost as to what our next step is....
Comments greatly appreciated!