Access $10M-$50M in secured financing while retaining ownership of your music rights
A simple, artist-friendly process designed for maximum flexibility
Submit your catalog details and revenue history. We evaluate the quality and durability of your music.
Get a lump-sum payment upfront. Use it for any purpose—no restrictions on how you deploy your funds.
Continue receiving 100% of your royalty income. Nothing changes with your distribution or payments.
Repay the loan at the end of your term (1, 3, or 5 years) or earlier if you choose. No monthly payments required.
Loans are secured by your catalog and related rights. You retain ownership during the loan term.
If the loan is not repaid at maturity and no extension is agreed, the lender may enforce its security interest. Artists should carefully evaluate their repayment strategy before entering into any secured financing arrangement.
Flexible financing designed for substantial media asset portfolios
$10M - $50M
Institutional-scale financing for established media assets
Low Double Digits
Competitive rates for quality asset portfolios
Long-Dated Tenors
Extended maturity periods for strategic flexibility
Up to 75% LTV
Maximize liquidity while maintaining asset control
Covenant-Lite
Flexibility on structural terms and operational freedom
45-60 Days
Efficient process from application to funding
We combine the scale and sophistication of institutional capital with the flexibility and speed that creators and rights holders need. No bureaucracy, no delays—just straightforward, efficient financing.
We provide capital across the full spectrum of intellectual property and royalty-generating assets
Master recordings, publishing catalogs, songwriter portfolios, and royalty revenue rights
Production and distribution enterprises, TV shows, released film slates, library assets, and talent participations
Game developers, publishers, established gaming brands, and proven game portfolios
Podcasting networks, user-generated content channels, book royalties, and digital publishing rights
We're open to evaluating any high-quality intellectual property or media asset with proven revenue streams. If you have a unique asset class, let's talk.
Start a ConversationYour music continues to operate exactly as it did before
You retain 100% ownership of masters and publishing
All royalty payments continue directly to you
Keep your existing distribution partners and setup
Full artistic freedom and decision-making power
No changes to your admin or audit rights
Your existing rates and payment schedules remain intact
We do not touch your cash flow, redirect your royalties, or interfere with your business operations. Your catalog remains entirely in your control.
Designed for flexibility and artist empowerment
Choose 1, 3, or 5 year terms based on your needs and profile
No periodic payments required during the loan term
Your income stream remains completely untouched
This is not a catalog sale or ownership transfer
Pay off your loan early if you choose—no prepayment penalties
Know exactly when the loan is due—no surprises or extensions
Loan proceeds may be used for any purpose—there are no restrictions:
Complete Freedom
Unlike traditional label deals or royalty advances, we don't dictate how you use your capital. The money is yours to deploy as you see fit.
Creative Funding Agency works with:
With proven asset portfolios generating consistent royalty income ($10M+ valuations)
Media companies and distributors seeking liquidity without immediate sale
With consistent royalty income who want capital without forced sale
Those who prefer straightforward secured financing over complex deal structures
Important: This program is not designed for early-stage or speculative catalogs. We work with established, revenue-generating assets in the $10M-$50M range.
Let's be crystal clear about what we don't do:
You're not selling any ownership stake or rights to your music
We don't take creative control or future release rights
Your royalties don't go toward repayment—they stay with you
No monthly payments or amortization schedule to manage
This is a loan, not a speculative investment or partnership
The Simple Truth
This is a straightforward loan backed by asset quality, not a complex financial instrument that strips away your rights or income.
Creative Funding Agency acts as an asset advisor and structuring partner.
Loans are provided in partnership with institutional capital providers and are subject to underwriting, documentation, and approval.
Creative Funding Agency does not offer investment opportunities or securities.
Our approach is designed around three principles:
Get the capital you need without anyone touching your revenue streams
Retain ownership and control of your catalog throughout the loan period
Long-dated tenors with covenant-lite structures and prepayment options
Apply now to explore your financing options
Complete the form below and we'll be in touch within 48 hours
Loans are subject to underwriting and documentation.
Approval, loan size, and terms vary by applicant.
Not all artists will qualify.