Now funding creator receivables

Advance cash to fuel
your creative business

CreatorPay purchases your approved receivables — brand deals, affiliate revenue, and platform payouts — and advances working capital so you can keep creating without waiting months to get paid.

Submit Your Invoice Agency Referrals

Upfront fee

1.5–2%

Monthly rate

10–20%

Reserve held

Three steps to getting paid now

No equity. No loans. No debt on your balance sheet. We purchase your receivable — you get working capital.

Upload your invoice

Submit your brand deal contract, affiliate agreement, or platform invoice through our secure portal. Takes under 5 minutes.

We verify & approve

Our AI-powered underwriting reviews the deal, verifies the payor, and approves your advance — typically within days.

Get your advance

Receive your advance via ACH. We collect from the brand or platform and release your reserve when they pay.

See exactly what you'd get

Transparent pricing. No hidden fees. Here's how the numbers work on a typical deal.

No personal guarantees required
Not a loan — no debt on your balance sheet
Reserve released when the payor pays
Only charged for the time it takes to collect

Fee ranges: 3% upfront fee on all deals. Monthly rates range from 1.5–2%. Reserves range from 10–20% depending on payor creditworthiness and deal structure.

Illustrative Example

For illustration purposes only — actual terms vary by deal

$100,000 Brand Sponsorship

Invoice Amount

Net 120 terms

$100,000

Reserve (10%)

Released when brand pays

−$10,000

Upfront Fee (3%)

Due at signing

−$3,000

You Receive Today

Advance via ACH

$87,000

Total fee calculation (120-day collection)

3% upfront fee (covers first 30 days)$3,000

1.5%/mo × 3 additional months$4,500

Total fees$7,500

When the brand pays (day 120)

Reserve held$10,000

Less: monthly fees (3 mo × 1.5%)−$4,500

Returned to creator$5,500

Total creator receives

$92,500

$87,000 advance + $5,500 reserve return

Get Your Quote

Built for professional creators

If money is owed to you and you're tired of waiting, CreatorPay is for you.

Mid-Tier to Macro Creators

500K–10M+ followers with recurring brand deal revenue

Agency-Represented Talent

CAA, Reign Maker, and similar agencies can refer deals directly

Creators with $10K+ Invoices

Brand sponsorships, syndication deals, original content contracts

Tired of Net 60-180 Terms

Stop floating your business while brands take months to pay

Affiliate & Platform Revenue

We also purchase receivable flow from affiliate networks and content monetization platforms — not just brand deals

Multi-Channel Creators

Revenue from brand deals, affiliate links, and platform monetization all qualify

Beyond brand deals

CreatorPay purchases receivables across all major creator revenue streams — including affiliate commissions, platform ad revenue, and creator fund payouts. If you have an approved, documented receivable, we can advance against it.

Backed by institutional capital

Your advances are backed by real institutional capital — so we can move fast and fund reliably.

True Sale

Not a loan — no debt, no personal guarantee

Lockbox Protected

Dedicated collection account, no commingling

SOC 2 Compliant

Enterprise-grade document security

Frequently asked questions

Is this a loan?

No. CreatorPay purchases your invoice via a true sale. There's no debt on your balance sheet, no personal guarantee, and no interest rate. You sell us the receivable; we collect from the brand.

What invoices qualify?

Approved brand sponsorship invoices, syndication deals, original content contracts, affiliate revenue agreements, and platform monetization receivables from creditworthy payors. The deliverable should be complete or in progress with proof of acceptance.

What do creators sign?

A one-time Master Sale & Assignment Agreement (MSAA) and a per-deal Bill of Sale. We also send a Notice of Assignment to the payor so they pay us directly. All signing is done electronically.

When does the money arrive?

Typically within a few business days of approval, once underwriting and documentation are complete. We advance via ACH to your linked bank account.

What happens if the brand doesn't pay?

We assume the collection risk. Our underwriting team verifies payor creditworthiness before approving. If a brand pays late, you've already received your advance — we handle the follow-up.

How much does it cost?

There is a 3% upfront fee on all deals. Monthly rates range from 1.5–2% depending on the deal structure and payor profile. Reserves range from 10–20% of the invoice amount. No hidden fees — the fee range is disclosed upfront before you sign.

What about the reserve?

We hold a reserve (typically 10–20%) from the invoice amount. When the payor pays in full, we release the reserve to you, minus any accrued monthly fees. This protects both parties.

Can my agency refer deals?

Yes. Talent agencies can refer creator deals directly through our portal and earn a referral fee. Visit our Agencies page for details.

Do you work with platforms?

Yes. Creator economy platforms can integrate via API to pass invoice data directly. CreatorPay underwrites and advances against the receivable, and creators get paid faster. Visit our Platforms page for details.

Advance cash to fuelyour creative business