Who We Serve

Built for the businesses behind brand media.

Lucky works with creative economy businesses 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.

Apply for Funding Book a Funding Call
Creative directors reviewing campaign work

Agencies

Working capital for campaign-driven businesses.

Agencies often do the work long before the money arrives. Campaigns are delivered, teams are paid, contractors invoice, and overhead keeps moving — even when brand clients are on Net 60, Net 90, or longer payment terms.

Lucky helps eligible agencies access working capital against receivables, so the business can keep operating without waiting on every client payment.

Common Use Cases

  • Payroll timing
  • Contractor payments
  • Campaign delivery costs
  • Client receivables
  • New business and growth opportunities

Talent Firms

Capital for creator payouts and brand deal timing.

Talent firms and managers often coordinate creator payments before brand receivables clear. Lucky helps eligible businesses bridge the timing gap between brand payment schedules and creator or operating obligations.

Use Cases

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

Creators

Financing for creator-led businesses.

Lucky finances businesses, not personal lifestyles. For eligible creator-led companies with contracted revenue, platform income, brand receivables, or commercial payment streams, Lucky can help manage timing gaps and growth needs.

Use Cases

  • Brand payments
  • Platform income
  • Production costs
  • Team expenses
  • Growth capital

Production Companies

Fund production costs before reimbursement.

Production companies frequently incur costs before clients pay. Lucky helps eligible businesses use receivables and contracts to support crew, vendors, production logistics, and campaign execution.

Use Cases

  • Crew and vendor costs
  • Talent payments
  • Equipment and logistics
  • Campaign delivery
  • Client reimbursement timing

Digital Media Businesses

Capital for advertising, platform, and content revenue.

Media businesses often face larger upfront costs as advertiser commitments grow. Lucky helps eligible companies access working capital tied to receivables, contracts, and platform-driven revenue.

Use Cases

  • Advertiser receivables
  • Platform payments
  • Content production
  • Operating expenses
  • Growth commitments
Hands reviewing materials on a moodboard

Capital that understands the way creative businesses get paid.

Apply for Funding