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 — no personal or director guarantees, typically no restrictive covenants.
Yours to keep
You keep ownership of your invoices and your client relationships. Human, data-driven underwriting.
Subject to review and approval. Structure and terms are determined case by case during underwriting.
What the line is for
Capital for the costs that can’t wait.
Payroll & the team
Production, talent & media
Growth & bigger projects
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.