Resources

Field notes on getting paid.

Practical guides on working capital, receivables financing, payment terms, and cash flow — written for the agencies, talent firms, production companies, and media businesses that earn revenue long before they collect it.

Interactive · Tools & Templates
Calculators & templates: estimate your working capital gap, the cost of waiting, and funding readiness.
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01

Working capital foundations

Guide 01 The Creative Business Guide to Working Capital A practical guide for agencies, media companies, talent managers, and production businesses managing the gap between earned revenue and collected cash. Read guide → Guide 02 Why Profitable Creative Businesses Still Run Out of Cash Revenue is not the same as liquidity. Why timing can matter as much as growth. Read guide → Guide 03 How Much Working Capital Does a Growing Agency Need? A practical way to size cash needs when your agency is growing faster than clients are paying. Read guide → Guide 04 Working Capital vs. Equity: When to Use Each Not every cash need requires selling ownership. Sometimes the issue is timing, not business model. Read guide →
02

Receivables financing explained

Guide 05 What Is Receivables Financing? A plain-English guide to accessing working capital based on invoices, contracts, and earned revenue. Read guide → Guide 06 Invoice Financing for Creator Agencies How creator agencies access working capital while waiting for brand, platform, agency, or client payments. Read guide → Guide 07 Receivables Financing vs. Factoring vs. Contract Advances A practical comparison of common working capital structures for creative businesses. Read guide → Guide 08 What Makes a Receivable Eligible for Funding? What lenders review before advancing capital against invoices, contracts, or earned revenue. Read guide → Guide 18 What Is a Borrowing Base? A plain-English guide to how eligible receivables can support available capital. Read guide →
03

Getting paid & payment terms

Guide 09 How to Finance Brand Campaign Receivables A guide for agencies, talent managers, and creator-led businesses waiting on brand payments. Read guide → Guide 11 How to Structure Payment Terms That Protect Your Business Deposits, milestone billing, and approval timelines that create better cash flow. Read guide → Guide 12 What to Do When a Brand or Client Pays Late A professional escalation guide for creative businesses waiting on overdue receivables. Read guide → Guide 13 How Contracted Revenue Can Support Working Capital A signed contract may have financial value before the cash is collected. Read guide → Guide 30 How to Manage Net 60 and Net 90 Payment Terms Long payment cycles are common in the creative economy. They do not have to control your growth. Read guide →
04

Documentation & underwriting

Guide 10 How to Prepare Your Invoices for Financing A practical checklist for creative businesses applying for receivables-backed working capital. Read guide → Guide 14 Purchase Orders, Contracts, and Invoices: What Lenders Look For Clean documentation can make funding faster, clearer, and more predictable. Read guide → Guide 15 How to Prepare Your Business for Credit Underwriting A faster funding process starts with better preparation. Read guide → Guide 16 What Lenders Look for in a Creative Business Creative businesses do not always look like traditional borrowers. That does not mean they are not fundable. Read guide → Guide 17 How to Organize Your Financial Documents Before Applying The cleaner the file, the easier the funding review. Read guide → Guide 31 Documents Needed to Apply for Funding A simple guide to the documents that help Lucky review your business and receivables. Read guide →
05

Guides by business type

Guide 19 Working Capital for Creator Agencies Capital built around the way creator agencies actually get paid. Read guide → Guide 20 Managing Payroll, Talent & Production Costs Before Brands Pay Creative work often costs money before it generates cash. Read guide → Guide 21 Cash Flow for Talent Managers Managing brand payments, commissions, and receivables across multiple talent clients. Read guide → Guide 22 Tracking Brand Deal Payments Across Multiple Talent Clients A receivables process for managers and agencies that need visibility across every deal. Read guide → Guide 23 How Talent Managers Can Use Receivables to Support Growth Growth should not be limited by slow brand payments. Read guide → Guide 24 Working Capital for Production Companies Production work requires cash before clients pay. Read guide → Guide 25 How to Fund Production Costs Before Client Payment A practical guide for production companies managing upfront costs and delayed collections. Read guide → Guide 26 Project-Based Cash Flow for Production Companies How to manage uneven revenue, upfront costs, and delayed collections. Read guide → Guide 27 Working Capital for Media Businesses Capital for media companies with contracted revenue and delayed collections. Read guide → Guide 28 How Media Companies Manage Delayed Revenue Collection Revenue can be contracted, delivered, and still not collected. Read guide → Guide 29 Receivables Financing for Media and Advertising Businesses Turn contracted media and advertising revenue into usable working capital. Read guide →
06

Reference

Guide 32 The Creative Finance Glossary Plain-English definitions of working capital, receivables financing, borrowing base, advance rate, and more. Read guide →
Creative team at work in a studio

Have earned revenue that has not yet been collected?

Lucky Hand Capital helps creative-economy businesses access working capital against eligible invoices, contracts, and receivables.

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