Solutions

Working capital structures for every kind of agency.

Lucky Hand structures financing around the receivable, the client, the contract and the way your agency operates — whether that means receivables financing, a contract advance, a working capital facility or a custom structure.

See If You Qualify

Structured case by case. Subject to review and approval.

Reviewing figures at a desk

Funding structures

Different situations. Different structures. Same goal.

We do not force every agency into the same product. We review the receivable, the client, the timing, the documentation and the operating need, then propose a structure that fits.

01 / Receivables Financing

Access capital against earned revenue.

Working capital against eligible invoices, contracts and payment streams tied to completed or contracted client work.

Best For

  • Client campaign receivables
  • Agency invoices
  • Delayed payment cycles
  • Short-duration working capital needs

What Lucky Reviews

  • Contract or invoice status
  • Client profile and payment terms
  • Agency operating history
  • Payment history

02 / Contract Advances

Bridge timing gaps before client payment.

Capital to cover costs tied to confirmed campaigns, projects and commercial engagements before final payment is received.

Best For

  • Production expenses
  • Talent and creator payments
  • Contractor and vendor payments
  • Working capital before reimbursement

What Lucky Reviews

  • Signed contracts
  • Campaign or project status
  • Expected payment timing
  • Supporting documentation

03 / Working Capital Facilities

Flexible capital for repeat receivable flow.

For established agencies with consistent receivables, ongoing facilities that support operations and growth.

Best For

  • Established agencies
  • Talent management firms
  • Repeat campaigns
  • Predictable receivable volume

What Lucky Reviews

  • Receivable history
  • Client concentration
  • Payment behavior
  • Revenue consistency

04 / Custom Structures

Capital built around your specific situation.

Some agencies do not fit neatly into a standard financing box. We review the receivable profile, client mix, revenue timing and operating need to determine whether a custom structure makes sense.

Best For

  • Large campaigns
  • Unusual payment cycles
  • Mixed receivable streams
  • Growth tied to contracted revenue

What Lucky Reviews

  • Business model and revenue source
  • Receivable eligibility
  • Client payment history
  • Documentation quality

Comparison

Choose the structure that fits the receivable.

StructureBacked ByBest Suited To
Receivables Financing Invoices, contracts, earned revenue Short-duration working capital
Contract Advances Confirmed campaign or project revenue Production and payout timing
Working Capital Facilities Repeat receivable flow Recurring operating needs
Custom Structures Mixed or specialized receivable profiles Case-by-case financing needs

You do not need to select a structure before applying. Our team reviews the opportunity and determines the appropriate fit.

Who we serve

Built for the businesses behind brand media.

Lucky works with agencies that have real revenue, real clients and real payment delays. If your company has receivables from brand, agency, platform or client work, we help turn that waiting period into usable working capital.

Creative & advertising agencies

Campaigns are delivered and teams are paid long before clients settle Net 60, Net 90 or longer terms.

  • Payroll timing
  • Contractor payments
  • Campaign delivery costs
  • Client receivables

Talent & creator-management firms

Talent and internal teams are paid before brand receivables clear.

  • Creator payouts
  • Brand deal timing
  • Management company cash flow
  • Operating liquidity

Influencer marketing agencies

Campaign costs and creator payments come due before brand payment arrives.

  • Creator and talent payments
  • Campaign receivables
  • Payment cycle management

Production-focused agencies

Crew, talent, vendors and logistics are paid up front; clients reimburse later.

  • Crew and vendor costs
  • Equipment and logistics
  • Client reimbursement timing

Media & digital agencies

Larger advertiser commitments mean larger upfront costs and longer collections.

  • Advertiser receivables
  • Media expenses
  • Operating expenses
  • Growth commitments

PR & experiential agencies

Retainers and project work with long client payment cycles and real delivery costs.

  • Retainer receivables
  • Event and activation costs
  • General working capital

Capital that understands the way agencies get paid.

See If You Qualify Speak With Our Team

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.