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This will make zero sense if you don’t press play first
- Kristine Decena
- 1 day ago
- 3 min read
this project breaks down real money moves. start track 1 now.
how to use this page:
press play
let it run
read while it plays
comment the exact line from track 7 that hit you the hardest
i’ll know if you actually listened
This isn’t just music
most people will hear songs
a few will catch the plays inside them
this project is about positioning yourself to look:
stable
legit
low risk
because that’s what gets you funded
3 moves you can use today
💳 Move 1: build real credit, not shortcuts
you need accounts in your own name
not just riding on someone else’s history
open and manage your own accounts
keep balances low
never miss payments
if you don’t control it, lenders don’t respect it
🏢 Move 2: clean business setup
before money comes in, your business needs to make sense on paper
registered LLC
dedicated business number (yes, a toll-free helps)
consistent info everywhere
you’re not “setting up a trick”
you’re removing reasons to get denied
🏦 Move 3: build a banking relationship
parking money in a business account can help
but let’s be clear:
there’s no magic 90-day switch
what matters:
consistent balance
normal activity
time
banks lend to patterns, not one moves
Read this twice
if you think this is:
do x → wait → get funded
you’re already losing
this is:
stack clean moves → build trust → get offers
Most people missed this
track 7 has a line that goes over people’s heads
if you caught it, you’re ahead
drop it in the comments
this is what most people hear
this is what a few people catch
5 banks most likely to fund you (if you actually apply this)
1. Chase Bank — Best Overall (Relationship Game)
Why it wins:
SBA loans + business credit lines
Huge lending capacity
Scales with you (small → big funding)
Chase is consistently ranked the best overall for small business lending because of its variety of loan types and strong infrastructure.
How to use it:
Open business checking
Run ALL your music income through it
Build activity → apply for line of credit
👉 This is a long-term play, not quick cash.
2. Bank of America — Best for Newer Artists
Why it works:
Lower time-in-business requirement (around 6 months)
Strong business credit ecosystem
Easy to grow into larger funding
Reality:They want decent credit (around 700+), but they’re more flexible early than most big banks.
👉 Good for artists just starting to structure their business.
3. American Express — Fast Funding / Lines of Credit
Why it’s dangerous (in a good way):
Lines of credit up to ~$250K
Fast approvals (sometimes days)
Best use:
Marketing pushes
Music video budgets
Short-term campaigns
👉 This is your speed play, not your foundation.
4. Wells Fargo — Big Money (If You’re Already Moving)
Why it matters:
One of the most active SBA lenders in the U.S.
Can fund up to high six figures / millions
Catch:They want:
Revenue
History
Clean books
👉 This is where you go once things are already working.
5. City National Bank — Industry Cheat Code
This is the sleeper.
Literally known as the “bank of the entertainment industry”
Works directly with musicians, artists, creatives
They understand:
royalties
inconsistent income
creative businesses
👉 If you can get in here, you’re playing a different game.
BONUS (Most People Overlook This)
First Entertainment Credit Union
Built specifically for creatives
More flexible than big banks
Credit unions are often more willing to work with smaller artists
👉 This is your “they’ll actually listen to you” option
What actually gets you approved (this is the part nobody tells you)
Banks don’t care that you’re an artist.
They care about:
consistent deposits
clean financials
time in business
low risk behavior
Music income counts… but only if it looks stable.
The real strategy (don’t skip this)
If you want funding for marketing, here’s the smarter play:
Phase 1 (0–60 days)
Open business account (Chase or BofA)
Run ALL income through it
Keep balance steady
Phase 2 (60–120 days)
Apply for Amex business line
Start small marketing campaigns
Phase 3 (6–12 months)
Go after SBA / larger bank funding (Chase / Wells)
Brutal truth
Most indie artists don’t get funding because:
they look like hobbyists
inconsistent income
no real business structure
Not because banks “don’t support artists.”
Bottom line
If you:
structure your music like a business
show consistent money flow
build relationships with the right banks
You can absolutely fund your marketing at scale.
Run this the right way
play the full project
apply one move today
come back and tell me what you caught
most people won’t do this
if you do, you’re already ahead
Want help running this?
get a promo push
build your credit profile
position yourself for funding
looking for industry contacts? this is what labels don’t give you
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