CARM™ is a standardised credit-rating framework for music and creative IP — the methodology a bank's credit committee can cite, audit and lend against. Licensed to financial institutions, development-finance bodies and governments, powered by the patent-pending MLT Method™.
Music IP is now an institutional asset class. The gap isn't value; it's legibility — and that gap is a measurable discount CARM closes.
There's no standardised, defensible methodology a credit committee can reference when an African artist presents a catalogue as collateral. The result: significant creative wealth locked out of the formal financial system.
Creative income is real but illegible to capital.
A common, auditable language for creative-asset risk.
Streaming, royalties, territory, ISRC, copyright and PRO status populate the catalogue profile — automatically wherever the data is machine-readable.
The MLT Method™ scores Market, Legal and Technology into one 0–100 CARM™ Score, band, implied discount rate and LTV — with a transparent breakdown.
The output is a signed, white-label, lender-ready report with a confidence band and a full input/output audit log for credit-committee review.
A credit-rating methodology only has value once institutions trust it. CARM enters markets through relationships built over a decade of IP commercialisation work — and through a founder whose credentials open credit-committee and development-finance doors.
Built on the MLT Method™ (Market · Legal · Technology) — patent-pending and calibrated to African realities Western models miss: diaspora streaming, cultural multipliers, mobile-money royalty flows and fragmented PRO coverage.
CARM is licensed to institutions across three layers — from the methodology itself, to the rating engine, to the comparative benchmark that grows more valuable with every catalogue rated.
Underpin creative-economy financing programmes with a defensible, standardised rating framework.
Adopt CARM as national infrastructure for creative-asset finance and IP policy.
Price and collateralise creative-IP loans with a rating and LTV your credit committee can defend.
White-label the engine to rate your roster — a new financeability service line.
Screen and compare catalogues on a common scale, with benchmarked, auditable valuations.
Prove what your catalogue is worth — and raise against it without losing your rights.
A Tanzanian gospel catalogue — most of its streams from outside its home market — was rated directly from its distribution statements. CARM auto-populated the Market and Technology dimensions, flagged an outstanding distributor advance as a prior claim, and produced an appraised value, a confidence band and a net financeable facility.
It rates CARM-C today — and climbs a full band the moment its copyright and PRO documentation is verified.
Request the Methodology White Paper and an institutional briefing. Tell us who you are and we'll route you to the right layer — methodology licence, rating engine, or benchmark access.