Lyric Financial advances royalties to songwriters. They have worked with many high-profile musicians. If you’re a musician making at least $5,000 in annual royatllies, you automatically qualify to receive cash. They differ from your standard loan institution in that they’re music industry experts who can presumably give you the best value for your future royatlies. We recommend using an abundance of caution when dealing with financial companies that want to give you cash now in exchange for future equity, acknowledging that musicians who need cash now may not exercise their due dillingence in scrutinizing the fine print.