Lending made human
Working capital built around the way agencies get paid.
A revolving credit line secured by your receivables — draw what you need, repay as your clients pay.
The work ships.
The invoice waits.
We close the gap.
Agencies pay their people, their talent and their production long before clients pay them. Lucky Hand turns eligible receivables into working capital in the meantime.
The gap we bridge
Costs come due long before the client pays.
Work begins
Costs come due
Work is delivered
Invoice is issued
Client pays
Net 60 / 90 / 120
One line. Secured by your receivables.
Not factoring. Not a term loan.
Revolving
Draw when you need it and repay as your clients pay. Roll over and re-draw as receivables cycle.
Secured, not personal
Backed by eligible receivables, with no personal or director guarantees and typically no restrictive covenants. Underwritten by people who know agency contracts.
Yours to keep
You keep ownership of your invoices and your client relationships.
Subject to review and approval. Structure and terms are determined case by case during underwriting.
$700M+
in combined financing volume
Since 2021
financing the creative economy
Now including Vane Capital
US · UK · EU · Latin America
What the line is for
Capital for the costs that can’t wait.
Payroll & the team
Make payroll on schedule while client invoices are still out.
Production, talent & media
Pay crew, creators and media vendors up front on contracted work.
Growth & bigger projects
Say yes to the bigger brief without waiting for last quarter's invoices to clear.
Who we serve
Built for the creative economy.
B2B only. We finance the businesses of the creative economy — never individuals.
Don’t let slow client payments set your pace.
Financing availability, structure, terms and approval are subject to underwriting, documentation, eligibility requirements and final approval. Nothing on this website constitutes an offer or commitment to provide financing.