You said I don't qualify for an advance. Why?

While we can't share every last detail of what our investors and algorithm look for, things that will reduce your chance of getting an investment include:<ul><li>If you are not getting 10,000 monthly listeners on Spotify on a consistent basis</li><li>If your income from Too Lost is less than $80-$100/month</li><li>If you have a higher than normal mix of free listeners</li></ul>

Can I negotiate my advance offer?

No, but you can adjust and choose. The following contracting details are extremely customizable:<ul><li>Length of term Scope of works included (a certain number of new releases plus catalog or catalog only).</li><li>Amount of income you keep even before your advance is repaid.</li></ul>While we give you flexibility to choose the value of those terms, we don't negotiate beyond that. The advance amounts presented to you are calculated by a complex data-driven system our team has created to put you in the best position to recoup on schedule with the length of term you select.

Is this advance a loan? Will it affect my credit?

No, and No. Our advances are structured as a purchase of a limited portion of your revenues for a limited time. They aren't loans and they won't impact your credit.

How do you decide how big an advance to give?

Three things determine the size of your advance:<ul><li>First, your data. Your streaming data and a whole lot more data beyond that is used to make an estimate of your future earnings.</li><li>Second, your advance is driven by the terms you choose. You are in control. You choose if your deal will include some or all of your catalog, and how many unreleased tracks it will include (or if it will include no new tracks at all). You choose how many years you want to share income with our investors.</li><li>Finally, you choose how much of your streaming income you need to keep during the term, even before your advance is repaid. All those tradeoffs impact the size of your advance, and all of them are up to you.</li></ul>

When do I get paid my advance?

A large share of your advance will be paid within a week of signing your contract. The remainder will be paid when you release new music, if its covered in the deal. Any "flow through" income you are due before your advance is repaid will be paid within 7 business days of earnings being processed.

Do I need to release new music to receive funding?

No. We are happy to advance funds against your existing catalog, but many artists will find that the funding amounts we can provide are significantly larger if they plan to release new music in the next 6 to 12 months.

What if I get a label offer that is just too good to pass up in the middle of my term?

Great question. We don't want to hold you back. Our standardized contract includes a "buyout" clause that will let you buy out of the rest of the term with those big label bucks. Your buyout price is based on a formula that's set ahead of time so there's no doubt or need to play negotiation games. It's based on how much you've repaid, how much revenue you've generated in the term, and how much time you have left on your term.

What if I don't recoup my advance in the term?

Most artists will repay their advance right when the term ends, or a few months before. That's how our data science team models the deals we offer. But if your music doesn't generate enough income to repay your advance during the term, we'll collect until you are repaid, and no longer. We won't add any balance to your advance if you are late, and we won't charge any interest or penalties.

There are no "hard lines" that determine exactly which artists can and cannot get funding because there are so many factors that go into our algorithm, but Artists who have released music on major DSPs (Spotify, Apple Music, YouTube, Amazon, QQ) and typically have as little as 10,000 and as many as 10,000,000 monthly listeners are most likely to qualify for funding. Artists who have been within those ranges for more than a few months, and who have more passionate and engaged fans (inside and outside the streaming services) are more likely to qualify as well.

Access future earnings from your catalog

Advance Payments by Too Lost

Too Lost provides artists with advance payments based on catalog performance. Access up to 10 years of future earnings from your music catalog and upcoming releases. You continue to retain 100% ownership of your music and can choose between flexible financing models.

Create a Too Lost Account

If you already have a Too Lost account, you're one step ahead!

Enter your artist name

We'll gather your data from around the world to provide funding options.

Customize the terms to fit your needs

Choose the term length, the music you want to include, and if you want to receive pass through income during the term. It's all up to you.

Get funded

After you sign the advance agreement, we can get your funds to you in as little as 24-48 hours.

Get paid more while staying in control

Early access to your upcoming royalty payments means more opportunities. Spend the money however you like. Once you have recouped the advance and the term is up, you go back to receiving 100% of your earnings. Unlike old school label deals, our deals are not forever and the amount you owe will never increase.

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