Frequently asked questions - Funding

Let us know if you have more questions below.

There are no “hard lines” that determine exactly which artists can and cannot get funding because there are so many factors that go into our algorithm, but Artists who have released music on major DSPs (Spotify, Apple Music, YouTube, Amazon, QQ) and typically have as little as 10,000 and as many as 10,000,000 monthly listeners are most likely to qualify for funding.  Artists who have been within those ranges for more than a few months, and who have more passionate and engaged fans (inside and outside the streaming services) are more likely to qualify as well.

We love indie labels. If your prospective indie label partner is willing, we can provide funding to you and cut them in on the deal. If they help take your career to the next level, it’s great for the investors that we bring to the table. We are more than happy to work out an advance that helps both you and your partners succeed.

Great question. We don’t want to hold you back. Our standardized contract includes a “buyout” clause that will let you buy out of the rest of the term with those big label bucks. Your buyout price is based on a formula that’s set ahead of time so there’s no doubt or need to play negotiation games. It’s based on how much you’ve repaid, how much revenue you’ve generated in the term, and how much time you have left on your term.

No. We are happy to advance funds against your existing catalog, but many artists will find that the funding amounts we can provide are significantly larger if they plan to release new music in the next 6 to 12 months.

Usually, yes. We will never tell you that you have to work with one and only one distributor. In some cases, we may ask you to move your catalog if your distributor isn’t able to meet our criteria, but we work with most of the leading distributors and DIY platforms. And, if we do have to move your catalog, our staff is skilled, deeply experienced and knowledgeable on the ins and outs of digital distribution, metadata and playlisting.

A large share of your advance will be paid within a week of signing your contract. The remainder will be paid when you release new music, if its covered in the deal. Any “flow through” income you are due before your advance is repaid will be paid within 7 business days after we receive it from your distributor.

Two things determine the size of your advance. First, your data. Your streaming data and a whole lot more data beyond that is used to make an estimate of your future earnings. Second, your advance is driven by the terms you choose. You are in control. You choose if your deal will include some or all of your catalog, and how many unreleased tracks it will include (or if it will include no new tracks at all). You choose how many years you want to share income with our investors. Finally, you choose how much of your streaming income you need to keep during the term, even before your advance is repaid. All those tradeoffs impact the size of your advance, and all of them are up to you.

No, and No. Our advances are structured as a purchase of a limited portion of your revenues for a limited time. They aren’t loans and they won’t impact your credit.

In many situations, yes. We’ll just need to know what percentage of master income you get from each track and be properly set up with the distribution company handling that track.

chordCash is a lucky combination of music business professionals, data scientists, software developers and financial executives. They not only love music, but they also want the people who create music to have more control, more ownership and more flexibility to make more great music, on their own terms.

No, if you have been successful on your own, we believe you can continue to do that.

chordCash took literally BILLIONS of data points on hundreds of thousands of artists and millions of songs to build some really smart algorithms that predict an artist’s future earnings because they think they can make smart bets on artists, they can also offer better terms (higher royalties, faster timeframe to get back to 100% control of revenues) than a traditional label deal.

For us at GPM, we are providing the service to our clients because we think chordCash business model is truly what's been missing in this industry.  

It depends. We may be able to figure out a way to work with your label or distributor. Let’s talk.​

We work with any and all genres. Classical, Trap, Waka, Jazz, Christian Pop, Prog Rock, Canadian Country, K-Pop, Hip Hop, Dance, Pop, Assyrian Folk, Latin Rap, Sufi, Deep Trance, Ranchera, Bhajan, Norwegian Death Metal… you name it….we are open to making an advance if the data is right.​

Absolutely – just contact us for a new offer on additional releases… You can take your funding in smaller chunks to keep your options open if you like.

As a middle man between you and chordCash, we charge a commission on the advance you will receive. The good news is that on the offer you'll get, our mission is already deducted so what you see is what you get. 


Short answer: No. You can adjust and choose:

  • Length of term
  • Scope of works included (a certain number of new releases plus catalog or catalog only)
  • Amount of income you keep even before your advance is repaid

And while we give you flexibility to choose the value of those terms, we don’t negotiate beyond that. The advance amounts presented to you are calculated by a complex data-driven system our team has created to put you in the best position to recoup on schedule with the length of term you select. 

While we can’t share every last detail of what our investors and algorithm look for, things that will reduce your chance of getting an investment include:

  1. If you are not getting 10,000 monthly listeners on Spotify on a consistent basis
  2. If your income from your distributor(s) is less than $80-$100/month
  3. If you have a higher than normal mix of free listeners

Have more questions? 

Feel free to reach out.


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