CreatorPay is a receivables factoring platform purpose-built for the creator economy. We purchase approved receivables — brand invoices, affiliate revenue, and platform payouts — and advance working capital within days, so creators aren't stuck waiting on 90-day payment cycles.
The creator economy generates over $250 billion in annual brand spending. Yet creators routinely wait 60–180 days to get paid for work they've already delivered. Agency intermediaries add further delays. The result: professional creators are forced to float their businesses for months at a time.
Traditional factoring companies don't understand creator contracts. Banks won't underwrite influencer receivables. And the few "creator finance" tools that exist are really just loans dressed up differently.
CreatorPay is different. We purchase receivables via true sale — no debt, no personal guarantees, no interest rates. Our AI-powered underwriting reads the actual deal documents, models the cash flows, and makes approval decisions in hours, not weeks.
Backed by institutional capital. Real capital behind every advance — not credit lines or balance sheet lending.
Every transaction is a true sale of the receivable under UCC Article 9. No debt. No personal guarantee. Clean legal structure.
Dedicated collection account in CreatorPay's name. Brand payments go directly to our lockbox — no commingling, no confusion.
KYC/KYB on every entity, OFAC screening, SOC 2 compliant document storage, and full audit trails on every action.
Whether you're a creator, agency, or potential capital partner — we'd love to hear from you.