Core services.
Advances and growth capital for the people who make music, content and live shows. One rule across all of them: advance only against revenue already earned or contracted.
Song advances
Cash and growth services against a song or song pool, from EUR 2,500. About 20% of three years of projected royalties.
Catalogue advances
The same 20% rule on the whole catalogue, for clean catalogues with a long statement history. From EUR 10,000.
Licensing advances
Advances against signed sync, brand and creator-cleared licences, collected through us, with the artist's share recouping first.
Live event advances
Against tickets already sold, held in an account we can see. EUR 25,000 to 150,000 per tour or festival.
Creator advances
Against trailing platform payouts routed through an account we can see. EUR 10,000 to 100,000.
Gaming advances
Against revenue reported by the store on a live title. EUR 10,000 to 50,000.
Funds and operators
Capital behind managers and distributors that originate advances. Pools from EUR 100,000.
Growth services
Marketing, distribution management and a creator-cleared library that lift income after the advance.
How an advance works.
An advance is not a debt. It is a share of future income, taken back at source. No interest, no instalments, no personal guarantee.
| Term | Standard advance | Catalogue advance |
|---|---|---|
| Who it is for | Independent artists with 6+ months of statements | Artists, labels and managers with 24 months of stable history |
| Size | About 20% of three years of royalties projected from trailing statements (1:5 cover) | Same rule on the whole catalogue: about 20% of three years |
| Paid in | Cash and growth services | Cash and growth services |
| Collection | All royalties of the chosen songs until recouped, then 30% until year 7 | All royalties of the chosen songs until recouped, then 30% until year 7 |
| Time to recoup | About 8 months | About 8 months |
| Cost | One 8% fee, added once | One 8% fee, added once |
| You keep | Your masters and your rights. 70% of the chosen songs' royalties after recoup, 100% after year 7 | Your masters and your rights. 70% of the chosen songs' royalties after recoup, 100% after year 7 |
| If it earns less | You owe nothing beyond the royalties of the songs distributed through StreamAdvance | Same |
| Renewal | From half recouped | From half recouped |
Indicative terms, set per advance in a written term sheet. Model figures are SONOR's assumptions, not guarantees.
From application to renewal.
Tell us what you run. Two minutes.
Trailing income by country and platform, and whether streams are real.
Size, fee and recoupment in writing, with the price shown.
Plus growth services if you want them.
From the royalties we already receive, until recouped. Then you renew or move on.
Who funds the advances.
Qualified investors fund advances through three classes: Growth, Core and Income. Year-one preferred return targets are 12%, 9% and 7%, with a 20%+ IRR target on Growth. Targets, not promises. See the investor page →
Frequently asked questions
How does an advance work?
We advance cash and growth services against the royalties a song already earns. We recoup from those royalties at source, before the artist is paid. The artist keeps the master and owes nothing beyond the royalties of the songs distributed through us.
How big is an advance?
An advance is about 20% of three years of a song's royalties, projected from trailing statements (1:5 cover). A catalogue advance follows the same rule on the whole catalogue. Size, fee and recoupment are set in a written term sheet.
How long does it take to recoup?
About 8 months in our model, for song and catalogue advances alike; new releases take longer. These are modelled figures, not guarantees.
Does the artist have to pay anything back personally?
No. SONOR buys or licenses a share of future royalties. There are no instalments and no personal guarantee. Recourse is limited to fraud, false title, diverted royalties and artificial streams.
Apply for details.
Tell us who you are. We will contact you when the full offering opens, by 10 January 2027. Family offices, private credit funds and qualified investors.
Prefer email? Write to apply@sonorcapital.com
The offering is for qualified and professional investors only, subject to eligibility checks. See our privacy policy.