Finyte becomes your music payout account
Link your Finyte account directly with our partner distributors, set your publishing, live and merch payouts to your Finyte account, and upload statements.
Welcome to Finyte
The first business account for music
Everything you need from a business account, together with your music data and access to personalized advances.
Open an account for free, in minutes.
Smart advances
Short- and long-term funding options based on your data. Withdraw directly into your account.
Business account & wallet
One place to manage all your payouts, spend and financial flows across all your revenues.
Distributor connect
Connect directly via one of our partner distributors and set up in minutes.
Product
You do the music.
We do the finance.
No more running your money across multiple platform dashboards, spreadsheets, a high-street bank and one-off advances. Finyte puts all four in one place and provides dynamic funding options based on the performance of your music.
Connect your earnings.See your data.Access capital.
How it works
Four steps from streams to spend.
Understand the value of your music
Forecast future income and catalog performance, track by track, in plain numbers.
Access flexible advances
Get advance offers based on how your copyrights perform, and retain full ownership.
Manage your spend and split payouts
Wallet, card and partner payout rails, with splits routed straight to collaborators, managers and labels.
Faster cashflow. Clearer forecasting. No loss of ownership.
The Finyte Card
Earn on Friday, Spend on Friday.
Our Visa Connect card is wired straight into your Finyte wallet, so you can pay and move money globally.
John Smith
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- 01Straight from the wallet
Spend from your Finyte balance without waiting on a bank transfer cycle.
- 02Built for how music works
Multi-currency flows for cross-border royalties and payments.
Who it's for
Our Beta is available to artists, labels or managers with a registered business and an active account with our partner distributors.
Join our waitlist to get updates on our partner list.
For artists
Get all your music data and earnings in one place
Get a live view of your streams, forecast your earnings and access advances.
For managers & labels
Break artists without breaking cashflow
Better finance changes the way you can sign, support and scale a roster — with forecasting your whole team can read.
For partners
Partner program
Distribution partners can offer their users access to free Finyte accounts instantly for payouts and advances, with no integration and no lift.
Getting started
Open your Finyte account online in minutes
Three simple steps, no paperwork, no branch visit.
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Create an account via one of our partner distributors or online
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Verify your artist or label profile and validate your company details — no personal checks
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You’re approved in minutes, your Finyte card goes live and you’ll receive your first advance offer shortly
- Coming soon App Store
- Coming soon Google Play
Free to download.
Your money, protected
Built on regulated banking rails.
Finyte is a financial technology company. Banking and payment services are provided by our regulated bank partners.
Safeguarded funds
Customer money is held with our regulated banking partner.
Your data and rights stay yours
Read-only connections to your platforms. We use your revenue data to price funding and never share it. You retain full ownership of your rights.
Clear terms, up front
Every advance shows the total amount repayable in your currency, the recoupment rate and the expected term before you accept.
Straight answers
The questions everyone asks.
Do I have to sell my rights to get an advance?
No. A Finyte advance is repaid out of future revenue from the catalog you connect. You keep your masters, your publishing and your ownership. Nothing on this page involves assigning or selling rights.
How do you decide what I can borrow?
We price funding off the revenue your catalog already generates — streaming, downloads, airplay and payouts from the platforms you connect — and how that revenue has behaved over time. It is a forecast, not a promise: offers depend on eligibility, data verification and affordability, and not everyone who applies will be approved.
Which platforms can I connect?
Our partner distributors, your Spotify or Apple for Artists, publishers and PROs. If yours is not supported yet, you can import statements manually while we add it.
Who can use Finyte?
You need a registered company and music you own or part-own released on the major streaming services. You can be a self-publishing artist, a manager or a record label. Company and identity checks apply, and Finyte is available in the territories we currently serve.
How long does it take to see a number?
Connecting your platforms takes minutes. Your catalog and funding picture build as your revenue data syncs. Your first advance offer can take up to a few days.
What happens if my revenue drops?
Repayment is taken as an agreed share of incoming revenue, so a slower month means a smaller repayment and a longer term rather than a missed payment. The total amount repayable is fixed and shown before you accept.
Waitlist
Your music is worth more.
Let's show you how much.
Join the waitlist for early access.
Free to open. Minutes to apply. No paperwork.