The funding

One line of working capital, built on the revenue you've already earned.

A single revolving credit line secured by your receivables — receivables-backed financing structured around how you operate.

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Structured case by case. Subject to review and approval.

Your receivables Awaiting payment
Brand campaignNet 90
Agency retainerNet 60
Production invoiceNet 120
Turn into usable capital
Working capital
Available
On eligible receivables — subject to review and approval.
Human underwriting
Reviewed by a human team

One product.
Many situations.

Everything below is the same revolving credit line against your receivables — described by the operational need it solves, not as separate products.

The product

One revolving line, built around how you operate.

What it is

A single revolving credit line secured by your receivables — receivables-backed financing structured around how you operate. Not factoring, not a term loan.

Who it's for

B2B businesses in the creative economy — agencies, production and media companies, talent and influencer management companies, and brand-side service providers — with receivables from brand and client work. Not consumers, creators, or influencers directly.

Why it matters

Your revenue is real but locked in 60–120-day payment cycles. Payroll, production, talent, media, and growth commitments come due long before clients pay — so the money you've earned can't do its job.

Operational impact

Operational liquidity

Run payroll and operations on a predictable schedule, independent of when each client pays.

Payment cycle management

Forecastable cash flow you can plan, hire, and commit against.

Growth infrastructure

Take on larger clients and more concurrent work as financing scales with your receivables, without diluting ownership.

How the line works

Built around your payment cycle.

The line revolves: you draw against receivables as work is delivered, and it repays as clients pay — then it's available to draw again.

Payment flow — a revolving loop

Work delivered

Receivable created

Draw working capital

Client pays

Collections optionally redirected

Line repaid

The line revolves — draw again as the next receivable is created

Receivables timeline — the gap your line bridges

Work delivered / invoice issued

Day 0

Client pays

Day 60–120
0306090120
Lucky Hand line bridges the gap — working capital is available from day 0, repaid when the client pays.

Receivables verified via API or read-only access; reviewed by a human team.

Terms

Every line is structured around your business.

Because each facility is built around your receivables, client mix, and how you operate, we don't publish standard limits, rates, or terms. We review your situation and propose a structure that fits.

  • Senior secured and revolving — draw as needed, repay as clients pay.
  • No personal or director guarantees.
  • Typically no covenants.
  • All facilities are subject to review and approval.