Frequently Asked Questions

General Questions

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.

AgncyPay™ Questions

AgncyPay™ is an embedded payment infrastructure designed specifically for music distributors. It enables distributors to offer catalog sales directly from their platforms with built-in valuation, payment processing, and automated fund distribution.

Think of it as the financial layer for music distribution platforms—similar to how Stripe powers payments for e-commerce, but built specifically for music catalog transactions.

AgncyPay™ charges a 2.9% processing fee for instant payments (or 0.8% for ACH transfers), which is automatically split:

70% goes to AgncyPay™ for payment processing and infrastructure
30% goes to the distributor as revenue share

This is competitive with standard payment processors like Stripe (2.9% + $0.30) and PayPal (3.49%), but includes catalog valuation, automated splits, and distributor revenue sharing built in.

AgncyPay™ integrates seamlessly with distributor platforms through:

RESTful API: Easy integration with your existing tech stack
Embeddable Widget: Drop-in component for your artist dashboard
Webhook System: Real-time notifications for transactions and events
White-Label Options: Customize the experience to match your brand

Our technical team provides full support during integration. Learn more about AgncyPay™.

Distributors earn revenue through two streams:

Instant Transaction Revenue: 30% of the 2.9% processing fee on every catalog sale
- Example: On a $100,000 sale = $870 instant revenue
Recurring Hosting Fees: 5% annual hosting fee for catalogs that remain active on the platform
- Ongoing passive income stream
- Automatically reconciled and split

This creates both immediate revenue from transactions plus long-term recurring income.

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:

Net Zero Payment: Instant — within 24 hours of approval
Accounts Receivable Financing: Instant — within 24 hours of approval
Advances: 1-4 weeks from application to disbursement
Catalog Sales: 1-3 months depending on catalog size, complexity, and due diligence requirements
Loans & Other IP 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.

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.

General Questions

AgncyPay™ Questions

Funding & Valuation

Security & Legal

Still Have Questions?