The Music Finance Company

Get the advance,keep your rights.

We price music catalogs, publishing and recorded, and advance the value of their future royalties for terms of up to five years. No rights change hands: only royalties are assigned, and only until the advance is repaid.

Term
up to 5 yrs
Offer
24 hrs
Payout
under 14 days
Liability
non-recourse
Scroll
02.  What we do

An advance onroyalties alreadyearned.

twelve x twelve advances the value of future royalties, on publishing rights and on recorded rights. The amount is not estimated. It is calculated from historic royalty statements: what the catalog has actually paid out over recent years, per work and per income stream.

Royalty income arrives late and unevenly, spread across settlement cycles. The advance closes that gap without touching ownership.

Publishing

Composition and author's rights: songwriters, composers, producers and publishers.

Basis: GEMA statements

Recorded

Master and recording rights: performers, artists and labels.

Basis: distributor statements, last 4 years

Term
Up to 5 years

Advances are structured for terms of up to five years.

Assignment
Until repaid

Royalties are assigned only until the advance is recouped. After that, nothing continues.

Liability
Non-recourse

Secured by the royalties alone, never personally.

03.  Why twelve x twelve

Financing thattakes nothing.

Four reasons rights holders choose us over an advance that costs them the catalog: nothing is pledged but the royalties, the maths is visible, the money moves in days, and the offer fits any catalog, deal or no deal.

USP 01

The royalties are the collateral.Not you.

Repayment comes out of the royalties themselves. Non-recourse: nothing beyond them is pledged.

Live performance lit in blue
01No personal liability. The catalog's future royalties carry it.
02No purchase of rights, no share of the catalog.
03Existing publishing deals stay untouched.
04Once repaid, no further claims.

USP 02

No guesswork.Fair and transparent.

The advance is calculated from your own royalty statements, per work and per income stream. You see how we get there.

Studio desk at night
01The basis is your own statement. No black box.
02Per work, per income stream.
03Every term on the table before signing.
04Repayment status live in TXT Flow.

USP 03

Days,not quarters.

Non-binding offer in 24 hours. Advance paid within 14 days of signing.

Duotone brand plate in TXT Blue
01Non-binding offer within 24 hours.
02Advance paid within 14 days of signing.
03Publishing and recorded assessed in one pass.
04Upload, offer and signature in one place: TXT Flow.

USP 04

One route.Every catalog.

Artist, songwriter, producer, label or publisher, with or without a publishing deal. The offer adapts to the catalog you already have.

hover a frame

USP 04

One route.Every catalog.

Artist, songwriter, producer, label or publisher, with or without a publishing deal. The offer adapts to the catalog you already have.

Producer · console session
Vocalist · live take
Publisher · rights admin
Songwriter · works catalog
Payout · advance on future royalties
Royalty data · per income stream
Non-recourse · royalties only
Back catalog · reissues
Composer · sync & performance
Touring artist · catalog + live
Ensemble · neighbouring rights
DJ / producer · label of one
Artist · no publishing deal
Headline show · tour advance
Live · dates booked
Audience · streams & shows
Session players · split by work
Keys · points on tracks
05.  Proof · what the alternatives cost

Every other routetakes something.

100% of the rights stay with you. There are four ways to raise money against a catalog. Three of them cost you ownership, revenue or both. Ours costs neither. Open a route to see how it works.

01

Label advance

Takes masters · rights gone

A label funds the record and takes the masters with it. The advance recoups from your share, and the rights stay on their balance sheet long after it is repaid.

How a label advance works

The label pays for the record and takes an assignment of the masters in return, usually in perpetuity. Recoupment comes out of your artist share, so you earn nothing until it is repaid, and the masters remain theirs afterwards.

What it costs you: ownership of the recordings.

How this works
03

Catalog sale

Takes the catalog · both gone

A sale pays once. The catalog, and every royalty it will ever generate, belongs to someone else the day the money lands.

How a catalog sale works

A buyer values the catalog, pays a multiple of annual royalties once, and takes the asset. Every future royalty belongs to them, including the upside from a sync placement or a track that finds a second life.

What it costs you: the catalog and all future income.

How this works
02

Publishing deal

Takes a share · revenue gone

A publisher advances against your writing and keeps a cut of everything the catalog earns, usually for the life of the works rather than the life of the advance.

How a publishing deal works

The works are signed over to a publisher who administers them and keeps a share of everything they collect, typically 15 to 25% of publisher income, for the life of the copyright rather than the life of the advance.

What it costs you: a permanent cut of every royalty.

How this works
04 · ourstwelve x twelve
Takes nothing · none of it

Royalties are assigned only until the advance is recouped. No ownership moves, no share is taken, and existing publishing deals continue untouched.

How our advance works

You assign the royalty claim, not the rights, and only until the advance is recouped. GEMA or your distributor pays us directly, the claim is released the day the balance reaches zero, and you keep collecting exactly as before.

What it costs you: nothing. Non-recourse, never secured against you personally.

How this works
Get your Quote

Only royalties are assigned, and only until the advance is recouped. Non-recourse, and never secured against you personally.

06.  Calculator

What is thecatalog worth?

Rights type and average annual royalty income are enough for a first indication. The binding offer follows within 24 hours, once the statements are in.

€60k
€5k€500k
Get your Quote

Leads into TXT Flow onboarding: statements are connected there, and the offer is issued there.

Indicative range
€198k
€210k
Publishing

Indicative only, based on the figures entered. Not an offer. Terms of up to five years, repaid from royalties alone.

07.  How it works

Advancing,made simple.

Four steps from first contact to payout: send four years of statements, receive a transparent offer within 24 hours, take the money in under 14 days, and follow the repayment in TXT Flow until the assignment ends.

01

Submit

Statements, four years back: GEMA, publisher or distributor. No credit score required.

02

Quote

A transparent offer inside 24 hours, calculated per work and per income stream.

03

Advance

Signed and paid out in under 14 days, straight to your account.

04

Retain

100% of the rights stay yours. The assignment ends the day the advance is recouped.

Crowd at a live show, lit blue

Music streams.Cash flows.

PricedFrom historic statements, per work and per income stream. Never an estimate.
SignedA CMO assignment with GEMA, or a letter of direction to your distributor.
TrackedRoyalties settle the advance until recouped. The status stays visible throughout.

And the rights? They stay where they belong.