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NCBA tests new model to turn music into collateral for loans
Kenyan music producer and artist Morris Kobia, better known as Motif Di Don (right), with NCBA Bank Group Director of Marketing, Communications, and Citizenship Nelly Wainaina during an interview in Nairobi on October 21, 2025.
Banks have begun to recognise music as more than just art. They are exploring ways to treat songs, catalogues, and royalties as collateral for loans, a move that could unlock long-awaited financing for the creative industry.
For decades, musicians have self-financed their careers, paying out of pocket for studio sessions, production, promotion, and distribution. Without formal credit structures, many musicians and producers are unable to make songs due to financial challenges.
