Frequently Asked Questions

General

Creative Funding Agency is a financial services platform designed for the creative and entertainment economy. We provide funding solutions, catalog valuation, and payment infrastructure for artists, creators, distributors, and entertainment companies across multiple verticals.

Our mission is to unlock liquidity in creative assets and create transparent, efficient financial transactions throughout the creative ecosystem.

Our services are designed for:

Independent Artists & Creators: Looking to sell or finance their creative catalogs
Content Distributors: Wanting to offer catalog sales and payment infrastructure to their clients
Creative Representatives & Agencies: Managing talent and seeking funding opportunities
Entertainment Companies: Looking for financial solutions and payment processing for creative assets

Getting started is easy:

Submit an Application: Fill out our application form with your details
Upload Documentation: Provide royalty statements and performance data
Valuation Review: Our team analyzes your catalog and provides a valuation
Get Funded: Once approved, receive your funds and start benefiting from our platform

You can submit your application here.

Initial consultations and catalog valuations through our platform are free. We earn our fees only when a deal successfully closes, typically as a percentage of the transaction. There are no hidden fees, application costs, or obligations to proceed.

We're aligned with your success and only get paid when you do.

Music financing is unrestricted capital — you can use it for any purpose including:

Recording new music and content production
Marketing and promotion campaigns
Touring expenses and live performance costs
Living expenses and debt consolidation
Investing in other ventures or acquiring other catalogs

The funding is yours to deploy as you see fit.

Yes, in many cases. We'll need to review your existing agreements to understand what rights you control and what restrictions may exist. Many artists have partial ownership or specific rights they can leverage for funding.

We work with your legal team and existing partners to structure deals that comply with all agreements. The key is understanding exactly what rights are encumbered and which remain available.

Funding & Valuation

Our proprietary valuation engine analyzes multiple data points:

Historical Royalty Data: Past earnings trends and consistency
Streaming Metrics: Monthly listeners, play counts, and growth rates
DSP Performance: Performance across Spotify, Apple Music, YouTube, etc.
Catalog Composition: Number of tracks, release dates, and rights ownership
Market Comparables: Similar catalog sales and industry benchmarks

We typically value catalogs at 3-5x annual net publisher's share, depending on growth trajectory and other factors.

To get started, you'll need:

Royalty Statements: Past 12-24 months from your distributor or PRO
Streaming Analytics: Spotify for Artists, Apple Music for Artists data
Rights Documentation: Proof of ownership and splits
Release Information: Catalog details, ISRCs, and release dates

You can upload these documents through our application portal.

Funding timelines vary by transaction type:

Pre-Close Capital Facility: Immediate — upon LOI signing, secured against your IP
Advances: 1-4 weeks from application to disbursement
LTV-Backed Loans: 2-4 weeks, secured against asset value without touching royalty streams
Catalog Sales: 1-3 months depending on catalog size, complexity, and due diligence requirements
MINT Structures: Timeline varies based on deal structure and documentation

Each transaction type has different documentation and review requirements. Contact us to discuss your specific needs and get a more precise timeline.

If your catalog doesn't currently meet our criteria, we'll provide:

Detailed Feedback: Specific areas for improvement
Growth Recommendations: Strategies to build catalog value
Re-application Timeline: When to reapply based on your situation
Alternative Options: Other funding or monetization paths

We're committed to helping you succeed, even if we can't offer funding immediately. Our goal is to be a long-term partner in your music career.

Selling your catalog means transferring ownership of your music rights permanently to a buyer in exchange for a lump sum. A royalty advance allows you to retain ownership while receiving upfront capital that is recouped from your future earnings.

Advances typically offer more flexibility and allow you to benefit from long-term catalog growth. Sales provide immediate, larger lump sums but you give up future upside. Each path suits different goals — we help you evaluate both.

Requirements vary by funding type and investor. Generally, we work with artists generating at least $10,000–$25,000 annually in verifiable royalties. However, we also consider growth trajectory, platform diversification, and catalog potential.

Use our funding calculator to get an instant estimate based on your specific situation.

Catalog buyers generate returns through ongoing royalty collection from streaming, licensing, sync placements, and other exploitation rights. They may also benefit from catalog appreciation over time or through active management that increases the catalog's earning potential.

Institutional buyers typically target specific IRR thresholds based on catalog risk profile and growth potential. A well-managed catalog can yield 8-15% annual returns over a 10-20 year horizon.

Multiples vary significantly based on catalog quality and characteristics:

Legendary/Nostalgic: 20x–25x+ annual net publisher's share
Premium/Stable: 12x–15x with consistent growth and diversified revenue
Established/Moderate: 8x–12x with stable but less diversified income
Emerging/Risky: 6x–8x with limited track record or niche appeal

Factors like genre, copyright remaining term, streaming momentum, and sync licensing history all influence where your catalog falls on this spectrum.

Music Financing

Initial consultations and catalog valuations through AgncyOS are free. We earn our fees only when a deal successfully closes, typically as a percentage of the transaction.

There are no hidden fees, application costs, or obligations to proceed. We're aligned with your success and only get paid when you do.

Yes, in many cases. We'll need to review your existing agreements to understand what rights you control and what restrictions may exist.

Many artists have partial ownership or specific rights they can leverage for funding. We work with your legal team and existing partners to structure deals that comply with all agreements.

Music financing is unrestricted capital — you can use it for any purpose, including:

Recording new music and content production
Marketing and promotion
Touring expenses
Living expenses and debt consolidation
Investing in other ventures or buying other catalogs

The funding is yours to deploy as you see fit.

Security & Legal

Absolutely. We employ bank-grade security measures:

End-to-End Encryption: All data is encrypted in transit and at rest
PCI DSS Compliance: Payment card industry security standards
SOC 2 Certification: Audited security controls and processes
Multi-Factor Authentication: Required for all account access
Regular Security Audits: Third-party penetration testing

Your financial and catalog data is protected with the same level of security used by major financial institutions.

This depends on the type of agreement:

Catalog Sale: You transfer ownership of the specified rights (typically master recordings or publishing) to the buyer
Advance/Financing: You retain ownership but assign future royalty income as repayment
Partial Sale: You can sell a percentage of your rights while retaining the remainder

All agreements are clearly outlined in your contract. We recommend consulting with a music attorney before signing any agreement. We're transparent about exactly what rights are involved in every transaction.

No hidden fees—complete transparency:

Application: Free
Valuation: Free
Processing Fee: 2.9% for instant payments, 0.8% for ACH (only if transaction completes)
No Monthly Fees: No subscription or maintenance charges
No Early Termination Fees: For financing agreements

All fees are disclosed upfront before you commit to any transaction. What you see is what you get.

Still Have Questions?