Photo Credit: Manifest
Too Lost has partnered with Manifest Financial to revolutionize financial management for independent artists and digital creators. This collaboration addresses pain points in the music industry–including fragmented payments, delayed royalties, and the lack of banking solutions tailored for artists’ unpredictable income streams.
The following is in collaboration with Too Lost, a proud partner of Digital Music News.
Manifest’s platform integrates directly with Too Lost, offering artists the ability to track royalties, merchandise sales, and collaboration payouts in one place—reducing administrative burdens. It also helps ensure faster payments for artists by mitigating traditional banking delays through the use of direct deposits and automated peer-to-peer transfers.
Additional features, like expense categorization and the ‘Save for Taxes’ tool, empower artists to stay organized and financially prepared without disrupting their creative workflow.
The launch of Manifest Financial comes as the creator economy continues to experience rapid growth, as experts predict this market will reach $500 billion by 2027. Yet, despite creators becoming more mainstream, traditional financial services in the United States have lagged behind in adapting to key needs in the industry.
Manifest Financial, co-founded by Michael Cavallaro and Manny Alvarez, was built to address these challenges.
“After spending over two decades in banking across multiple industries, it was clear there was a gap in the market for creators needing the right financial tools,” Cavallaro told Digital Music News. “Creators face unique challenges that don’t fit conventional banking categories. That’s why we built Manifest Financial, to bridge this gap and provide the tailored financial services that the creator economy desperately needs.”
The partnership with Too Lost is already bringing financial clarity for artists. From payments to managers to managing merchandise profits, money in the music industry moves unpredictably. This partnership allows musicians to efficiently track diverse income streams and automate payments to collaborators, all while managing their finances in one place.
“At Too Lost, we’re committed to empowering independent artists with the tools they need to succeed,” shares Too Lost CEO & Co-Founder Gregory Hirschhorn. “Partnering with Manifest aligns perfectly with that mission—giving creators seamless access to smarter business banking solutions, faster payments, and financial tools designed for their careers. This collaboration is about providing artists with the financial freedom to focus on what they do best—creating inspiring music to move their community.”
Don’t Take Our Word For It—Artist Testimonials
“As an artist and manager, I’m always juggling a million things—finances are the biggest,” shares Dylan Reese, an artist using Manifest. “To me, most banks don’t get how artists really move, but Manifest is totally different. Manifest feels like it’s for the artist, and it’s built for the way we move—income coming from multiple places, the need to reinvest in my craft, making sure the money side of things actually supports my creative ideas. It’s so important to have a business banking solution that understands both my hustle and my vision.”
“I met with the Manifest team during SXSW and I use this app on the daily,” Hannah Cottrell tells Digital Music News. “Manifest helps me stay organized—when as music artists may know—royalties can come in from a lot of different places. With Manifest, they add up in one place, an easy to use app so I can grocery shop, pay bills, etc. Learning how to manage yourself is an asset and a necessity. Manifest helps with that.”
Grammy-nominated producer and singer-songwriter Hannah Cottrell is Too Lost’s ‘Artist of the Week.’ Starting her solo project Saint Sinner in 2017, Hannah has amassed over 100 million streams. She’s collaborated with artists including Tycho, The Human Experience, Dimond Saints, ATYYA, and more. Her latest single,”Pure Honey” debuted on April 11, 2025. The four-minute electronic music track adds to her growing discography, which features a mix of electronic and acoustic-driven singles.
Curious how easy it can be to manage multiple income streams? Try the Manifest app—available on both iOS and Android.
Manifest works for anyone with diverse income sources–not just musicians. Hannah also uses the app to manage direct deposit from her work as a chef, too. The platform is designed to meet creators where they are, across art, hustle, and everything in between.
