Your catalog has already earned income that hasn't reached you yet. A royalty advance puts a portion of that future income in your hands now - without selling your copyrights or giving up ownership of your work.
A royalty advance is a lump-sum payment made against the royalties your catalog is projected to earn going forward. It is not a sale of your copyrights and not a traditional bank loan - it's a recoupable advance, repaid automatically out of the royalties your music generates as they come in.
This structure makes advances one of the few financing tools built specifically around how songwriters and publishers actually get paid: royalty income that arrives in irregular, often delayed distributions from PROs, mechanical societies, and digital platforms.
We evaluate your catalog's earnings history, structure an advance offer sized to your actual royalty performance, and manage the recoupment process transparently - so you always know your balance and your ongoing royalty share.
Check Your EligibilityAn advance is a recoupment arrangement, not a sale. You retain full ownership of your compositions and masters throughout the term.
Advance funds are typically disbursed as a single upfront payment, sized against your catalog's historical and projected earnings.
Repayment happens automatically as royalties are earned - there are no separate invoices or monthly payments to manage.
An advance against the ongoing royalty performance of your entire administered catalog, sized to trailing earnings across mechanical, performance, and digital income sources.
An advance sized to the performance of one specific composition or a small group of works - useful when a particular song is driving disproportionate income.
An advance against royalties expected from a specific territory or collection society, often used when international income is delayed or pipeline-heavy.
A royalty advance is only as good as the transparency behind it. We handle the full cycle - from catalog valuation through offer structuring, disbursement, and ongoing recoupment tracking.
We review your catalog's royalty history across all income sources - mechanical, performance, sync, and digital - to establish a defensible earnings baseline the advance offer will be built against.
We size the advance to your catalog's actual performance, not inflated projections, and lay out the recoupment rate, term, and any caps in plain terms before you commit to anything.
Once terms are agreed, funds are disbursed directly to you - typically as a single payment - with no change to your copyright ownership or administration agreement.
As royalties come in, the agreed recoupment percentage is applied automatically against the outstanding balance - the rest is distributed to you on your normal royalty schedule.
Every royalty statement shows your outstanding advance balance, the amount recouped in that period, and your net royalty payment - so there's never any guesswork about where you stand.
Once an advance is fully recouped, your full royalty share resumes immediately. Clients with strong ongoing performance are frequently eligible to structure a new advance at that point.
Every advance agreement comes down to four terms. We walk through each of these with you before any offer is signed.
The lump sum disbursed, sized as a multiple of your catalog's trailing royalty earnings rather than speculative future projections.
The percentage of incoming royalties applied to the outstanding balance each period, with the remainder paid out to you as normal.
The expected window over which the advance is repaid based on projected earnings - with no penalty for paying off faster if income outperforms projections.
Your copyrights remain fully yours for the life of the advance and after. The advance is secured against royalty income only, never against the underlying rights.
We pull your full royalty history across every income source to establish a clear, defensible picture of what your catalog actually earns - the foundation for any advance offer.
Using your earnings data, we prepare an advance offer - amount, recoupment rate, and expected term - and walk you through exactly what it means for your future royalty statements.
Once you accept the terms, we finalize the advance agreement and disburse funds - with your administration agreement and copyright ownership unaffected.
From that point forward, every royalty statement shows your recoupment progress in plain terms - balance remaining, amount recouped, and your net payment - until the advance is fully repaid.
A royalty advance solves a specific problem - cash flow timing - without the tradeoffs that come with other common financing routes.
| Option | Ownership Impact | Repayment Structure |
|---|---|---|
| Royalty Advance | None - copyrights retained in full | Automatic, tied to actual royalty income |
| Catalog Sale | Full or partial copyright transfer, permanent | None - one-time payment, no future royalty share |
| Traditional Bank Loan | None directly, but may require personal collateral | Fixed monthly payments regardless of royalty income |
| Credit Line / Credit Card | None | Fixed minimum payments, compounding interest |
We'll review your catalog's royalty history and put together an advance offer sized to what your music actually earns.