Today, independent artists have more options than ever for financing their careers. They can go the traditional route and take out a loan with a bank, work with a company like beatBread or RoyFi that provides advances on their royalties based on streaming numbers, sign with a music distributor or publisher that offers advances, run up your credit cards, or even ask your family for money. Each of these approaches has its own pros and cons, from massive interest fees, to the loss of ownership over their music, to strained relationships with friends and family. So what is the best choice? In this panel, representatives from throughout the music financing sector will discuss which approaches are best for which artists, and which should be avoided at all costs.