Secured Catalog Financing
Access $10M–$50M in secured financing for established rights holders while retaining full ownership of your music — no monthly payments, no equity dilution, no recoupment from royalties.
The Process
A simple, artist-friendly process designed for maximum flexibility.
01
Submit your catalog details and revenue history. We evaluate the quality and durability of your music.
02
Get a lump-sum payment upfront. Use it for any purpose — no restrictions on how you deploy your funds.
03
Continue receiving 100% of your royalty income. Nothing changes with your distribution or payments.
04
Repay the loan at the end of your term (1, 3, or 5 years) or earlier if you choose. No monthly payments required.
Secured Debt Financing
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 — so artists should carefully evaluate their repayment strategy before entering any secured financing arrangement.
Terms & Structure
Flexible financing designed for substantial media asset portfolios.
Target Size
$10M – $50M
Institutional-scale financing for established media assets.
Interest Rates
Low Double Digits
Competitive rates for quality asset portfolios.
Term
Long-Dated Tenors
Extended maturity periods for strategic flexibility.
Loan-to-Value
Up to 75% LTV
Maximize liquidity while maintaining asset control.
Covenants
Covenant-Lite
Flexibility on structural terms and operational freedom.
Speed to Close
45–60 Days
Efficient process from application to funding.
Institutional-Grade Financing
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.
Asset Types We Finance
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.
What Stays the Same
Your 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.
Zero Interference Guarantee
We do not touch your cash flow, redirect your royalties, or interfere with your business operations.
Key Loan Features
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.
Use of Proceeds
There are no restrictions:
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.
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.
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.
Our Role
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.
01
Get the capital you need without anyone touching your revenue streams.
02
Retain ownership and control of your catalog throughout the loan period.
03
Long-dated tenors with covenant-lite structures and prepayment options.
Apply
Apply now to explore your financing options.
Complete the form below and we'll be in touch within 48 hours.
Important Disclosure
Loans are subject to underwriting and documentation. Approval, loan size, and terms vary by applicant. Not all artists will qualify.
Questions?
info@creativefundingagency.comWhat to Expect