Free tool

Is this brand deal actually good?

Paste the offer in front of you. We price the exclusivity, translate the usage-rights clauses, and show what Net 90 really costs you, all from your own numbers.

1. The exclusivity cost

Category exclusivity means turning down every competitor for the term. Priced from your own history, here is the revenue you would forfeit.

Your exclusivity floor (forfeited revenue)
$2,250
The deal should clear this on top of the content fee, or the exclusivity is a loss.

2. What the payment terms really cost

Slow terms are a discount you did not agree to. Net 90 on an invoice you cannot raise until the content is live means real money months later.

Payment terms
Real payment lands in
~4 mo
Present value today
$3,900
Cost of waiting
-$100

Present value uses a stated 8% cost-of-capital assumption, not a market rate. Adjust or ignore it; the delay is the real point.

Concentration risk

This one deal is 67% of your income for the period, over the 60% line the Loot Vault flags. One brand should not own your rent.

Late payment is the norm, not the exceptionMEDIUM CONFIDENCE
56% of creators have faced late payments

48% report motivation damage, 46% financial strain.

Source: Tipalti: creator payments survey (n=1,231 US+UK, +/-3%, fielded Jul-Aug 2023) (2023-08-01)

One more step in your result

The usage-rights audit and your counter-language

The exact clauses that quietly cost you the most, what each one really means, and the language to send back to move the deal in your favor.

Unlocks below, instantly. We will also email you a copy, and tell you when new tools go live. Unsubscribe anytime.

4. What creators actually get paid

There is no single going rate, and anyone who quotes you one is selling something. The real market is a wide, top-heavy distribution.

Mean per campaign
$11,400
2026-01-21 · enterprise
Median per campaign
$3,000
2026-01-21 · enterprise-only
Taken by the top 10%
62%
2026-01-21 · enterprise

Source: CreatorIQ: State of Creator Compensation, Jan 21 2026 (payments through CreatorIQ, 1,300+ orgs) (2026-01-21)

Collabstr, avg paid IG post2025 data
$193

Source: Collabstr 2026 Influencer Marketing Report (21,000 collaborations, 2025 marketplace data) (2025 data)

IZEA, micro-influencer avg2021 data
$1,516

Source: IZEA: State of Influencer Earnings (data year 2021, published Feb 8 2022) (2021 data)

These are both real data. They are 8x apart. Anyone who hands you one number is selling you something.

Part of why they disagree: IZEA's figure is 2021 data, four years stale. Collabstr's is 2025 open-marketplace data. CreatorIQ's median is enterprise-only, measured off brand and agency platform spend. They are not the same year or the same market. Undated, this comparison would be doing the same laundering we are calling out.

HIGH CONFIDENCEThe SAG-AFTRA Influencer Agreement sets no rate scale. Compensation is freely bargained. There is no floor and no standard to point a brand at.

Source: SAG-AFTRA Influencer Agreement Fact Sheet (2026-07-13)

The product

Loot tracks every deal and warns you before the income cliff hits

Exclusivity windows, usage terms, renewal dates, and concentration risk, all in one Vault. Join the waitlist for early access.

Financial wellness, not financial advice. Run your own numbers and talk to a professional for decisions specific to your situation.

The thinking behind this tool: Brand deal contracts explained: what every clause means before you sign