Advance or sale
Which one fits
your goal
Neither is "better". They solve different problems. Here is the honest side-by-side so you can see which matches what you actually need.
The question
Advance
Catalog sale
Do you keep your music?
/ Yes. You stay the owner of your masters and publishing.
No. You transfer the interest you sell (all or part).
How much capital?
/ Smaller: a portion of your future royalties, upfront.
Larger: priced as a multiple of your net share.
How is it settled?
/ Recouped from a share of your royalties over time. No fixed payment, no personal debt.
Settled at closing. Nothing to repay.
Future upside
/ Stays yours once the advance is recouped.
Belongs to the buyer for the interest you sold.
Best for
/ Liquidity now while keeping your catalog and its upside.
Maximum upfront capital, certainty, estate and tax planning.
/ THE HONEST PART An advance is not free money: during recoupment you receive less of those royalties, and you repay more than you received (that is the cost of getting the money early). A sale is permanent for the interest you sell. We will tell you which one fits, and recommend the smaller deal when it is the right one. New to this? Read what it means to sell your music catalog.