Lending
made human.
We turn your receivables and contracts into a revolving credit line — so agencies and media businesses keep growing while they wait to get paid.
Receivables, contracts, and brand payments reviewed by a human team. Subject to review and approval.
Built for the advertising, media, and marketing businesses building culture.
We finance the businesses of the creative economy — not consumers, creators, or influencers directly.
Agencies
Advertising, marketing, branding, and full-service shops carrying client receivables.
Talent & Influencer Management Companies
Management businesses billing brands on behalf of their rosters.
Production & Media Companies
Production, digital media, and advertising-space businesses funding work ahead of payment.
Brand-Side Service Providers
Market-analysis and brand-side service companies with contracted revenue.
Revenue is real. Payment is delayed. We close the gap.
Bridge long brand and client payment cycles.
Cover payroll, production, talent, media, and campaign costs.
Keep accepting growth opportunities without waiting on collections — and without giving up equity.
One revolving credit line, secured by your receivables.
Draw what you need, repay as your clients pay. You keep ownership of your invoices and client relationships. Typically no financial covenants, and no personal or director guarantees.
Illustrative of how the facility works. Subject to review and approval.
Simple process. Clear lending. Human decisions.
Submit information
Share your receivables, contracts, and business details.
Review
A human team reviews the receivable and client relationship.
Structure the line
We structure a revolving line around how you operate.
Get funded
Draw working capital as you need it.
Repay as your clients pay
Repay on collection, then draw again.
Lending in action.
See how a revolving credit line against receivables supports the businesses powering the creative economy.
Covering payroll between brand payments
An agency draws against contracted receivables to keep payroll steady through a long client payment cycle.
Illustrative scenario.
Smoothing brand-billing cycles
A management company bridges the gap between brand campaign billing and payout obligations.
Illustrative scenario.
Funding production ahead of payment
A production company funds upcoming work without waiting 90 days to collect on delivered projects.
Illustrative scenario.
Trusted lending for a new generation of businesses.
Lucky Hand Capital works with companies across the creative economy — advertising, media, marketing, and digital services. Our underwriting focuses on the quality of the receivable, the client relationship, and the business model behind the revenue.