Stable Audio 2.0 is the production music generator we recommend most. The model handles 3-minute tracks with proper song structure (intro / build / chorus / break), supports text-to-music and audio-to-audio variation, and - critically - exports stems.
Licensing is clean: outputs are commercially licensed under Stability's standard terms with no surprise rights cliff. At ~$0.18/minute it's price-competitive.
Where it wins: instrumental scoring, podcast beds, social-video underscore. Where it doesn't: songs with vocals (Suno / Udio handle that better).
Verdict: best for instrumental production use. 8.8/10.