CatalogIQ runs two parallel revenue engines: a B2B platform that sells proprietary artist credit scores and loan repayment data to lenders and funds, and a risk-averse D2C lending arm that deploys capital directly into stringently underwritten catalog assets.
Music royalties are one of the few truly uncorrelated assets — predictable cash flows regardless of market conditions. Yet the credit infrastructure to underwrite them has barely evolved. CatalogIQ captures this opportunity from both sides.
There is no FICO for musicians. CatalogIQ builds the first proprietary artist creditworthiness score from royalty data, stream trajectory, and loan repayment history — and sells it to lenders.
Every capital provider reinvents the wheel — manually pulling streaming reports, building one-off Excel models. CatalogIQ replaces that with a consistent, auditable B2B SaaS engine.
By lending directly to artists ourselves — with stringent, risk-averse criteria — we generate proprietary repayment data that makes our credit scores more accurate and our B2B product more defensible over time.
The B2B platform generates revenue and accumulates repayment data. The D2C lending arm proves the model and deepens the dataset. Each side makes the other more valuable over time.
Capital providers subscribe to run unlimited underwritings and receive proprietary artist creditworthiness scores — covering royalty stability, stream trajectory, and loan repayment probability. Priced per seat or deal volume tier.
Aggregate and individual-level repayment data, catalog performance benchmarks, and default risk analytics sold to funds, labels, and institutional researchers as a standalone data product.
CatalogIQ deploys its own capital into a carefully selected book of royalty-backed loans and RBF deals. Approval criteria are intentionally stringent — only the highest-conviction catalog assets qualify. Low volume, low default risk, high margin, and a live proof of the underwriting model.
We launched the consumer-facing platform at ciqpartners.com to build a proprietary pipeline of artist data and refine our underwriting models before scaling to B2B.
CatalogIQ was built by a founder at the intersection of music and structured finance — with the technical depth to build the product and the industry knowledge to know why it matters.
Built CatalogIQ after identifying the gap between the volume of music catalog assets and the near-total absence of structured credit infrastructure to underwrite them. Responsible for product, underwriting model design, and investor relations. Registered and operating in New York, Massachusetts, and Delaware.
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