If you’re borrowing money against a catalog of music in the coming years, you may be able to get more cash. That’s according to music valuation firm Red Brick Advisors, which wrote in a newsletter this week that music finance insiders expect to see an increase in something called the loan-to-value ratio (LTV).

LTV is the amount a borrower can get from a lender when using a music catalog as collateral. A decade ago, Red Brick noted, bank lenders’ upper bound on the LTV for music catalogs was 50% — meaning a lender will give a borrower up to 55% of the value of the catalog. The market was different back then: There were about five lenders that regularly financed music intellectual property, and lenders accepted as collateral seasoned music publishing catalogs. These days, a 55% LTV is typic

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