Answer
When does a creator actually get the money?
Short answer
Once the campaign has reached its goal. The payout instruction refuses to run before that point, so there is no arrangement, no exception and no support request that releases funds from a campaign that has not funded.
The rule is one line in the contract: the creator can claim when the amount raised is at least the goal. Below that it reverts. This is the same threshold that closes the refund window for backers, which is not a coincidence — the money is either still the backers' or already the creator's, and there is no state where it is both or neither.
What arrives is what was pledged minus the platform fee, which is 1.5% plus $0.99 per pledge on the free plan and falls to 0.5% on the highest one. There is no separate payout fee and no charge to withdraw the balance afterwards.
Reaching the goal before the deadline does not accelerate anything to do with your obligations, but it does mean the funds are claimable from that moment rather than at the end. A campaign that funds in week one and runs for another month is collecting more on top of a total that is already released.
For planning purposes, treat the money as arriving after the goal is met and not before. Building on the assumption of partial funding is the mistake that all-or-nothing punishes hardest: you cannot draw down half a campaign to start work early, and a campaign that ends at 90% pays out nothing at all.