CreatorFi, a fintech company that advances capital against creators’ recurring platform income, raised $45 million in combined debt and equity financing, with capacity for up to $100 million more, the company announced. Escape Velocity (EV3) led the equity round, joined by Uncorrelated Ventures, Protagonist, and existing investors, along with angel investors including executives from State Street, JPMorgan Chase, and Periscope. VerisFi Capital led the debt financing.

CreatorFi lends against recurring revenue from platforms such as Roblox, Spotify, YouTube AdSense, and TikTok Shop, typically writing checks of $500,000 to $5 million in exchange for a percentage of a creator’s platform revenue, usually 50%, and often requiring the creator to produce new IP by a set date, according to Business Insider. In cases where the company judges a creator’s business to carry high key-person risk, it may require the individual to take out life insurance.

“Every creator is an IP business,” said Billy Huang, CreatorFi’s co-founder and CEO, in the announcement. “A song catalog, a well-operated game with an ecosystem, and a social channel with a loyal audience are assets with cash flows you can grow and foresee.”

A Third Model for Creator Capital

CreatorFi’s structure sits apart from the two capital models implemented in recent Creator Economy investments: taking equity in a creator’s holding company (the approach Slow Ventures has taken with its $64 million fund) and buying majority stakes in channels outright (the roll-up model Electrify Video Partners and LunarX have pursued). CreatorFi instead advances money against future revenue while letting the operator keep the company and the IP, a structure closer to the “financing the catalog” approach Spotter has built with YouTube creators like MrBeast. CreatorFi has said it differs from Spotter by lending across multiple platforms rather than concentrating on YouTube, and by advancing money to musicians against future earnings rather than acquiring catalog rights outright, according to Business Insider.

EV3 Managing Partner Salvador Gala framed the raise in more ambitious terms, describing the goal as “institutionalizing an entirely new asset class – IP credit.” That language echoes a broader shift underway in Creator Economy capital, where investors have moved away from treating creator deals as sponsorship spending and toward underwriting creators as ongoing businesses with measurable KPIs.

Huang said the firm is not chasing scale for its own sake. “We really love creators that have a cult-like following,” he told Business Insider. “They don’t necessarily need to be big.” The approach echoes a stated preference across creator-financing firms for revenue durability and audience depth over follower count or reach.

CreatorFi has backed companies including music label Coasthill IV, gaming company Mythical Games, and YouTubers Lah Mike and The Danza Project. The new financing follows a $12 million credit facility the company raised in 2025.

“The market still treats ‘creator’ as one thing. It isn’t,” said Jack Cameron, CreatorFi’s co-founder. “CreatorFi is built to fund that at scale.”

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