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How much money can I get?

Our investment strategy is placing many bets, meaning we don't heavily invest in one artist or one track. The current maximum is $50,000 per artist and $10,000 per track. Our minimum offer is $5,000. This number may change in the future as we add more artists and tracks to our portfolio.

Are there restrictions on what I can use the money for?

Nope! You are free to use the funds as you wish. We trust that you know what you need it for—whether it’s for an upcoming music video, merch, touring, or even rent.

How does this work?

It’s simple! We buy a portion of your existing catalog’s streaming royalty income for two years—you decide the percentage. We give you upfront cash, and then for two years we receive a split of whatever those tracks earn.

What's the catch?

This may seem too good to be true compared to other deals in the industry. We are not a label or talent agency. We specialize in artist financing. We don’t provide all the services of a traditional label, but for modern artists that have the self-confidence and desire to manage their own careers, we aim to be your best funding partner.

Why isn't this recoupable? How do you make money?

In the spirit of transparency, here’s an explanation of how our business works. Opposite to traditional record labels, we make a large number of investments in many artists. Because of our advanced algorithms coupled with streaming data, we can price individual tracks down to their real-time performance. We don’t depend on a few big hits to make a business—we thrive when we invest in a large number of artists. Fair pricing is our core competency. Since we’re the ones pricing the tracks’ future earnings, it’s only fair that we are held accountable for it—not the artists. That means if we are wrong and the investment is not recouped, you don’t owe us anything.

Is this a royalty advance?

No, an advance requires that you keep giving up royalty payments until the advancer is fully recouped. When your term is up with The Music Fund, 100% of our split reverts back to you and you owe nothing... even if we haven’t yet earned back our investment. Because we operate at scale, we can afford to take on this risk. See how we compare to advances on What sets us apart.

Is this a loan?

No. The transaction with The Music Fund is a one-time sale for a limited-term portion of your royalties. You will not have a principal and interest payback schedule as a loan does.

How do you make money?

See answer to ‘Why isn’t this recoupable?’

Does TMF provide promotional services?

Not at the moment.


Do I qualify?

Answer yes to ALL of the following questions and you will probably qualify for an offer:

  1. I have songs on Apple Music and Spotify.
  2. I own at least a percentage of recording rights of the tracks.
  3. I have tracks with a minimum of 2-year streaming history.
  4. I have made at least $5,000 from streaming in the last 12 months from the qualified tracks described above.

Do I need to own 100% of a track or album to get the money?

No. As long as you receive royalties for a given track, you can sell us a percentage of your future earnings from that track.

I'm still paying back an advance, do I need to wait to apply until the advance is paid back?

You can use TMF's funding to pay back your current advance balance, just like any credit card or home refinances. However, if the existing advance terms have other restrictions, like committed release schedules, it may not be possible. The best way to find out is to talk to your current lender.

I am a new artist with a hit release coming up. Can you fund it?

To keep The Music Fund scalable, sustainable, and friendly to all independent artists, we rely on data to make valuations of existing catalogs. As such, we can’t make speculative bets on unreleased tracks or albums. Our algorithms are good, but not that good. (Though artists can and do sell back-catalog royalties to The Music Fund in order to raise funds for new releases.)

I’m about to sign with a label, can I get money from The Music Fund?

If you’re about to sign with a label, you will need to disclose the details of the royalty split between yourself and the label, so that we can accurately price your share of your tracks' future earnings. You will likely also need to disclose partnership with The Music Fund when talking to labels.

I’m signed to a label, can I get money from The Music Fund?

That depends on the details of your contract and is best determined on a case-by-case basis. We can purchase a portion of your royalty revenue stream as long as you can demonstrate your ownership of that revenue, but you will likely need the label’s go-ahead to make a sale.

If I get an amazing deal from a label during my term, what happens?

If you want to get out of the TMF deal during the term, you have the option to buy yourself out.

I have another catalog deal already, can I get money from The Music Fund?

If you currently receive royalty income, you can sell a portion of that revenue stream to The Music Fund.

I am a producer, not a recording artist. Can you fund me?

Yes (Please reference FAQ "Do I qualify?").

I am a songwriter. I receive royalties from PROs like BMI and ASCAP. Can you fund me?

Not right now, but we're working on adding PROs. Follow us on Instagram for announcements.

We are an indie label. Do you fund labels?

Yes, we understand that labels need working capital just as much as artists. As long as your label owns a percentage of royalties and meets the "Do I qualify?" FAQ criteria, we can fund you.

The current website submission process is designed for a single artist to apply. If you have multiple artists on your catalog, please email us at info@themusic.fund and we'll get you set up offline.

To get funded, am I required to release new music?

No, you are not required to release new music. Unlike record labels, we don’t set milestones for you. We believe that you know your music and audience the best, and you should be the one making plans for your music’s future, not us.

Do you fund artists outside of the United States?

Not currently, but we plan to—hopefully in the near future.

Which genres qualify for offers?

All of them! We make offers based on your streaming data, not on what the music sounds like.

Application Process

What must I submit to get funded?

  • Share your music's analytics from Spotify for Artists and Apple Music for Artists
  • Upload the last 2 years' royalty statements from your distributor
  • The online application will walk you through it step by step

Should I email you my demo or music?

Thanks, but no need! We cover all of that when you make an account and apply for an offer.

Are there any fees?

No. We don’t charge fees of any kind—no closing fees, no admin fees, no late fees.

How do you folks even make any money if you don’t charge the artist any fees or interest rate?

Reference FAQ "How do you make money?"

How often can I apply for funding?

There is no limit, as long as you meet the criteria! See FAQ ‘Do I qualify?’

Can I represent myself, or do I need to have a manager to receive funding?

Nope! No manager needed.


How do you decide what offers to give?

The offer generation is automated. Our real-time pricing engine uses advanced AI algorithms to price individual tracks. The analysis is based on millions of data points from your streaming, not just royalty statements.

How long does it take to get the money?

Once you are at the top of the waitlist, we will notify you that there is an offer ready for you to consider. If you like what you see, the closing process typically takes 1-5 days. Once you meet the closing conditions, we send you the money automatically via Stripe within minutes.

What percentage of the royalties will you take from my future releases?

None. We purchase only back-catalog royalties. We have no interest in controlling or placing a financial burden on your future career. Quite the opposite—we want you to succeed so that we can succeed, as new listeners and new audiences discover your past work!

Can I stay with my current distributor?

Yes, you can—as long as your distributor supports split pay.

Can I sell you my royalties for more or less than two years?

Not right now. Currently we are offering deals for two years only.

What does a 2-year term mean?

It’s 2 years of your royalty income. The actual time frame may vary depending on how often your distributors and DSPs pay. From our end, we expect to receive 24 months of sales from the purchased tracks on major DSPs.

What do I owe and what happens at the end of the 2-year term?

100% of the royalty split you sold us goes back to you. The Music Fund no longer receives a share of your royalty income, and you owe us nothing more.

What if I don't recoup by the end of the term?

Nothing. Unlike with an advance or a loan, you’re never expected to “make up” a difference between our upfront cash payment and the earnings of your royalty stream. The percentage we take and how long we take it for are fixed at the outset of every sale.

What tracks are included in the offer?

The eligible tracks are specified in the offer, identifiable by their ISRCs. Also, any re-releases and re-recordings are included.