Working capital for creators

Get paid now — not
in 60 days, not in 180.

You did the work. The deal is signed. CreatorPay buys your invoice and advances your money now — one flat fee, no loans, no surprises.

Submit your invoiceAgency referrals
3%
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 buy your receivable — you get working capital.

01

Upload your invoice

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

02

We verify & approve

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

03

Cash in your account

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

One flat fee. No hidden charges. 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 from 1.5–2%. Reserves from 10–20% depending on payor and deal structure.

Illustrative Example
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 (120-day collection)
3% upfront (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 you$5,500
Total you receive
$92,500
$87K advance + $5.5K reserve return
Get your quote

Built for professional creators

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 purchase receivable flow from affiliate networks and content monetization platforms too — 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

Real capital behind every advance — 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

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

Fund your next upload, today.

Submit your first invoice in under 5 minutes. Our team reviews and funds quickly.

Submit your invoiceTalk to us