Interactive · Tools & Templates
Tools & calculators
Estimate your working capital gap, the cost of waiting on invoices, and whether your receivables are ready to fund — plus templates to keep your cash flow tight.
Cash flow & working capital
Interactive · Working capital
How much of your cash is locked in receivables?
For agencies, talent firms, and production companies paid on Net 30–90 terms. Enter your numbers to see the capital tied up in unpaid invoices, your runway, and the working capital range that could bridge the gap.
Estimated capital tied up in receivables
$325,000
Revenue you've earned but haven't collected yet, beyond your current cash.
Receivables outstanding
$400,000
Monthly operating costs
$100,000
Cash runway
0.8 mo
A working capital line of roughly $75,000–$125,000 could bridge the gap until clients pay.
See if your invoices qualify →Illustrative estimate only, based on the figures you enter. Not a financing offer, commitment, or guarantee of terms. Actual availability depends on underwriting and the creditworthiness of your clients. Lucky Hand Capital.
Interactive · 13-week forecast
When will your cash run short?
Enter the cash you expect in and out each week. We chain your balance across 13 weeks so you can see the dip before it happens. For a full line-item planner, download the template.
First week your cash goes negative
Week 3
Weeks where your ending balance drops below zero are shown in amber.
Lowest balance (trough)
-$38,000
Ending balance, week 13
$35,000
| Week | Cash in | Cash out | Ending |
|---|
A working capital line can cover the trough so a slow collection week never stops the work.
See if your invoices qualify →Illustrative estimate only, based on the figures you enter. Not a financing offer, commitment, or guarantee of terms. Actual availability depends on underwriting and the creditworthiness of your clients. Lucky Hand Capital.
Interactive · Production
How much do you front for a shoot before you collect?
Budget a production and see the maximum cash you carry after the client's deposit and before final payment — plus your expected margin on the job.
Maximum cash needed before collection
$60,000
Total project costs minus the client's deposit — the cash you carry until the final invoice clears.
Total project costs
$90,000
Expected gross margin
$60,000
Margin %
40%
A working capital line could cover the $60,000 you front so production cash never stalls a booking.
See if your invoices qualify →Illustrative estimate only, based on the figures you enter. Not a financing offer, commitment, or guarantee of terms. Actual availability depends on underwriting and the creditworthiness of your clients. Lucky Hand Capital.
Interactive · Talent payments
How much cash do you front before the brand pays?
You pay talent on delivery, but brands pay on Net 30–90. See the cash you carry in between, how many days you're exposed, and the commission you keep.
Cash you front before the brand pays
$45,000
The talent fee plus campaign costs you carry until the brand's payment lands.
Days exposed
45 days
Your commission
$15,000
Total you outlay
$45,000
A receivables line could cover the 45-day gap so you can take on more campaigns at once.
See if your invoices qualify →Illustrative estimate only, based on the figures you enter. Not a financing offer, commitment, or guarantee of terms. Actual availability depends on underwriting and the creditworthiness of your clients. Lucky Hand Capital.
Interactive · Monthly review
Will you need outside capital this month?
A quick monthly read: stack what's going out against the cash you start with and expect to collect, and see whether there's a shortfall to cover.
Projected capital need this month
$11,000
Outflows due this month, beyond your starting cash and expected collections.
Total outflows due
$131,000
Cash available
$120,000
Capital need?
Yes
A working capital line can smooth months where outflows land before collections do.
See if your invoices qualify →Illustrative estimate only, based on the figures you enter. Not a financing offer, commitment, or guarantee of terms. Actual availability depends on underwriting and the creditworthiness of your clients. Lucky Hand Capital.
Receivables & collections
What's inside: one row per open invoice with client, amount, age, owner, and status — plus aging buckets and a running total of what you're owed.
What's inside: a campaign-level view of deposits, milestones, and final payments, the cash gap before each brand pays, and the talent payouts tied to each campaign.
What's inside: four ready-to-send messages — a friendly reminder, a first follow-up, a firmer escalation, and a final notice before further action.
What's inside: a pre-signature checklist covering deposits, milestone billing, net days, approval windows, and late-payment terms.
Funding readiness
Interactive · Funding readiness
Is this invoice ready to fund?
Answer eight quick questions about one invoice and see whether it's clean enough to finance — or what needs fixing first.
Funding readiness
Likely ready to fund
Every check is clean. This invoice looks ready for a funding conversation.
Checks passed
8 / 8
Items needing attention
0
Clean invoices against creditworthy clients are exactly what we fund.
See if your invoices qualify →Illustrative self-assessment only. Not a financing offer, commitment, or guarantee of terms. Actual eligibility depends on underwriting and the creditworthiness of your clients. Lucky Hand Capital.
Interactive · Funding readiness
How ready are you for a working capital line?
Six questions about your receivables and records. Score yourself to see how prepared you are to apply — and what to tidy up first.
Credit readiness
Ready to apply
6.0 of 6
Your records are in order. You're well positioned to start a funding conversation.
In place
6
In progress
0
Not yet
0
When your records are this tidy, underwriting moves fast.
Talk to LHC →Illustrative self-assessment only. Not a financing offer, commitment, or guarantee of terms. Actual eligibility depends on underwriting and the creditworthiness of your clients. Lucky Hand Capital.
What's inside: the exact documents to gather before applying — financials, receivables aging, contracts and purchase orders, bank statements, and entity records.
Working capital, when you need it
See if your invoices qualify.
If a tool shows a gap between earned revenue and collected cash, Lucky may be able to help you bridge it.
Subject to review and approval.