Services For Artists For Business Packages Calculator About Get Funded
Funding + Credit + Music + Media — One Ecosystem

Get $50K - $250K+ in 0% Interest Business Funding

We help artists, creators, and entrepreneurs access real capital through credit card stacking and business lines of credit. Plus full-service music production, catalog monetization, and artist development. Keep your rights. Build your empire.

$5 M+ Capital Funded
0% Interest Rate
7 -10 Days to Funding
700+ Credit Score Target
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Backed by VP Relationship Bankers at Major Financial Institutions

Chase Business American Express Capital One Bank of America Wells Fargo

One Ecosystem. Multiple Paths to Growth.

Whether you're dropping an album, launching a business, or scaling operations — we have the funding, credit solutions, and services to get you there.

Recording Artists

Fund your album, videos, tour, and marketing without signing away your masters or publishing.

  • $50K-$150K+ funding
  • Studio + production
  • Content creation
  • Catalog monetization
Learn More →

Content Creators

Get the capital for equipment, team, studio buildout, and scaling your content business.

  • Equipment financing
  • Team hiring capital
  • Studio/office buildout
  • Ad spend funding
Get Started →

Business Owners

Access working capital, expand operations, purchase inventory, or fund marketing campaigns.

  • $100K-$250K+ funding
  • Business credit building
  • LLC formation
  • Line of credit access
Learn More →

The Complete Growth Stack

From funding to credit repair to music production — everything you need in one place.

Core Service

0% Interest Business Funding

Access $50,000 - $250,000+ through strategic credit card stacking and business lines of credit. No collateral. No equity. 12-18 months interest-free.

How It Works

We leverage relationships with major banks and a proven application sequence to maximize your approvals. You apply for multiple business credit cards and lines within a strategic window — combining limits into substantial capital.

What You Need

  • 700+ credit score (or use our credit repair first)
  • Business entity (or we set up your LLC)
  • Clean credit profile

Our Fee Structure

  • Setup Fee: One-time fee to prepare your profile and applications
  • Success Fee: 10% of total approved funding
  • You only pay success fee after you're funded

Not sure what you qualify for? Check your funding potential

$50K-$250K+ Typical Funding
7-10 Days To Approval
0% APR 12-18 Months
•••• •••• •••• ••••
$35,000
•••• •••• •••• ••••
$45,000
•••• •••• •••• ••••
$50,000
Total Funding $130,000

Credit Repair

Score below 700? We fix it first. Our team disputes errors, negotiates removals, and optimizes your profile for maximum fundability.

  • Full credit audit
  • Dispute filing with all 3 bureaus
  • Negative item removal
  • Score optimization strategy
Starting at $599

Tradeline Boost

Need a quick score boost? We add seasoned tradelines to your profile — aged accounts with perfect history that can add 20-100+ points.

  • 2-10+ year aged accounts
  • High credit limits ($10K-$50K+)
  • Perfect payment history
  • Posts in 30-45 days
Starting at $350/line

LLC Formation

No business entity? We set it up. LLC formation, EIN registration, business bank account guidance, and everything needed to start building business credit.

  • State LLC filing
  • EIN registration
  • Operating agreement
  • Business credit roadmap
Starting at $399

Business Credit Building

Build a fundable business credit profile from scratch. We guide you through Net 30 vendors, D-U-N-S setup, and the path to 80+ PAYDEX scores.

  • D-U-N-S Number setup
  • 5+ reporting vendor accounts
  • PAYDEX score building
  • 6-month fundability roadmap
Starting at $799

Content & Visuals

Music videos, visualizers, social content, EPKs, and everything you need to actually market your music in today's attention economy.

  • Music video production
  • Lyric videos & visualizers
  • Social media content
  • EPK & branding
Starting at $1,500

Professional Recording. Real Results.

Our in-house studio is where music comes to life. From production to mixing to mastering — we deliver industry-quality sound.

Your Music Catalog Is An Asset

In 2024, over $20 billion worth of music catalogs were on the market. Catalogs are selling at 15-17x annual royalties. If you have a catalog generating income, you're sitting on a valuable asset.

Catalog Valuation

We help you understand what your catalog is worth using industry-standard NPS multiples and DCF analysis.

Sale Preparation

Clean documentation can increase your catalog value by 10-20%. We prepare your catalog for maximum sale price.

Buyer Connections

Our network includes buyers from Primary Wave, Hipgnosis, and independent acquisition funds actively seeking catalogs.

Royalty Advances

Not ready to sell? Get advances on future royalties from $1K to $1M+ without giving up ownership.

Get Your Catalog Valued

Music Catalog Market

Market Size (2024) $20B+
Publishing Multiple 16-17x NPS
Masters Multiple 13-14x NLS
Your $10K/yr catalog Worth $150K+

Fund Your Career. Keep Your Rights.

Labels want your masters. Investors want equity. We just want you to win. Get funded, get developed, keep everything.

Traditional Label Deal

  • Sign away your masters
  • Lose publishing rights
  • 15-20% royalty rate
  • Recoupable advances
  • Multi-year lock-in
  • No creative control

Momentum Funding

  • Keep 100% of your masters
  • Keep 100% of publishing
  • Keep 100% of royalties
  • 0% interest for 12-18 months
  • No contracts on your music
  • Full creative freedom

Credit & Funding Packages

Starter

$2,500

  • Credit analysis + optimization plan
  • Funding roadmap ($10K-$50K target)
  • Application sequencing strategy
  • 1 tradeline boost
  • 30-day support

Best for: Getting started with funding

Get Started

Elite

$10,000

  • Done-for-you funding ($100K-$250K+)
  • Full credit repair + 3 tradelines
  • Advanced dispute strategy (4 rounds)
  • VP banker introductions
  • Business credit building
  • 6-month dedicated support

Best for: Maximum funding potential

Apply Now

All packages can be funded through your approved capital — your investment pays for itself.

Capital For Any Business

While we specialize in artists and creators, our funding solutions work for any business owner who qualifies. E-commerce, agencies, real estate, service businesses — if you have a 700+ credit score and a business entity, we can get you funded.

Use Your Funding For:

📦 Inventory
📈 Marketing & Ads
🏢 Equipment
👥 Hiring
🏠 Real Estate
💻 Technology
Check Your Funding Options
$100K-$250K+ Typical Business Funding
No Collateral Required
No Equity Given Up
Fast 7-10 Day Approval

From Application to Funded

We've streamlined the process to get you capital as fast as possible.

1
Day 1

Apply & Consult

Fill out our application. We'll review your credit profile and hop on a strategy call to discuss your goals and funding potential.

2
Day 2-3

Profile Optimization

We prepare your credit profile for maximum approval. This includes optimizing utilization, addressing any issues, and strategic timing.

3
Day 4-7

Application Sequence

We guide you through our strategic application sequence — the right banks, in the right order, at the right time to maximize approvals.

4
Day 7-10

Get Funded

Cards arrive, lines are approved, and you have access to your capital. We help you deploy it strategically — whether that's your music project or business growth.

Charles Morais Jr — Producer. Funder. Builder.

I'm not just a funding consultant — I'm a music producer with 15+ years in the industry. I founded Momentum Studios in 2007 and spent over a decade building studios, producing artists, and running live events from NJ to NYC.

I saw too many talented artists stuck: broke, signing bad deals, or giving up entirely because they couldn't fund their dreams. The traditional music industry is designed to extract value from artists. Labels take your masters. Managers take 20%. And at the end of the day, you're left with a fraction of what you created.

In 2023, I started helping artists and entrepreneurs access real capital through credit strategies. Now, through AFC Media Solutions and the Momentum ecosystem, I'm combining everything I've learned — production, operations, funding, and systems — into one platform.

My vision: become the go-to resource for artist and creator finance. Building bridges between banks, labels, producers, and artists. Creating opportunities that didn't exist before.

🎵 Music Producer
💳 Funding Specialist
🤝 VP Banker Network
🏷️ Label Connections
Charles Morais Jr

Charles Morais Jr

Founder & CEO | Producer | Funding Specialist

"Building the infrastructure that lets artists and entrepreneurs actually own their careers and their future."

More Than Funding — A Full Ecosystem

When you work with Momentum, you get access to our entire network of industry connections.

🏦

VP Relationship Bankers

Direct relationships with vice presidents at major banks who understand our clients and fast-track applications.

🎤

Label Partners

Connections to indie labels and major label A&Rs for artists who want distribution deals — on better terms.

🎬

Content Creators

Vetted directors, videographers, and editors for music videos and promotional content.

📻

PR & Playlisting

Relationships with playlist curators, blogs, and PR firms to amplify your releases.

⚖️

Legal & Business

Entertainment lawyers and business advisors who specialize in artist contracts and deal structures.

🎹

Producer Network

Access to a roster of producers across genres for custom production and collaborations.

What Our Clients Say

★★★★★

"Got approved for $87,000 in funding. Used it to record my album, shoot 4 videos, and still had enough left for a 3-month marketing campaign. All at 0% interest. This changed everything for me."

M
Marcus T. Hip-Hop Artist, Atlanta
Funded $87,000
★★★★★

"My credit was at 640 when I first reached out. They fixed my profile, added tradelines, and 90 days later I had a 720 score and $52,000 in business credit. The credit repair alone was worth it."

J
Jasmine R. R&B Singer, Houston
Score Increase 640 → 720
★★★★★

"I run an e-commerce business and needed capital for inventory. They got me $145,000 in credit lines in under 2 weeks. No collateral, no equity, no BS. Just straight funding."

D
David K. E-commerce Owner, Miami
Funded $145,000

Common Questions

100% legit. We don't lend money ourselves. We help you qualify for business credit cards with 0% APR introductory periods (12-18 months) from major banks like Chase, Amex, Citi, and Capital One. These are real bank products available to anyone who qualifies. What we bring is the strategy: knowing which cards to apply for, in what order, and how to maximize approvals without hurting your score. Think of us as your funding coach, not your lender.

No catch. We never take ownership, equity, royalties, or percentages of anything you create or earn. Our fee is simple: a one-time setup fee + 10% of total approved funding (only charged after you're funded). That's it. Your music, your business, your rights stay 100% yours. The only obligation is paying back the credit cards, which have 0% interest for 12-18 months.

For our main funding program, you need a 700+ credit score. If you're below 700, we offer credit repair services and tradelines to get you there first. We've helped clients go from 580 to 720+ and then get funded. It's a process, but it works.

We charge a setup fee upfront to prepare your profile and execute the funding strategy. Then we take 10% of your total approved funding as a success fee. You only pay the success fee after you're funded — we don't get paid if you don't get approved.

This is business credit — credit cards and lines of credit — not a traditional loan. You get 0% APR for 12-18 months depending on the cards. You pay minimums during that period, then either pay off or balance transfer before the promotional period ends. Many clients use their funded projects to generate revenue and pay it back.

Having an LLC opens up more funding options, but you can get started with personal credit cards that offer business-level limits. We offer LLC formation as a service if you don't have one — it's actually a smart move for any serious artist or entrepreneur for liability and tax purposes.

Anything legal. For artists: studio time, music videos, marketing, touring, equipment, team. For businesses: inventory, equipment, marketing, hiring, expansion. It's your capital — you decide how to deploy it.

Label advances are recoupable — they take your royalties until the advance is paid back, and they keep ownership of your masters. Our funding has no claims on your music, your royalties, or your rights. You pay back the credit on your own terms with 0% interest for 12-18 months. Your music stays yours.

If your credit is ready (700+), most clients are fully funded in 7-10 days. If you need credit repair or tradelines first, add 30-90 days depending on your current profile. We'll give you a realistic timeline on our first call.

We have a full recording studio and in-house production. This can be bundled with your funding package or purchased separately. Many artists use part of their approved funding to work with us on production — essentially funding their entire project through one ecosystem.

Ready to Get Funded?

Whether you're an artist ready to fund your next project, a creator looking to scale, or a business owner who needs capital — we're here to help. Apply now for a free consultation.

Free consultation call
No obligation to proceed
Get your funding potential

Apply Now

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