Financial services for creators

Karat provides customized financing, rewards, and support for creators so you can access more money as you grow. *
entrepreneur/Youtuber | 3.9M Subscribers
Graham Stephan
“When we launched our own coffee line–Bankroll Coffee–Karat stepped up to provide the spending limits needed to run our business when other vendors were slow in processing our payments. Karat gets it.”
chess master/TWITCH STREAMER | 1.1m followers
Alexandra Botez
“Karat is the best card for creators–they gave me a top-notch business expense card when other financial institutions had rejected me twice.”
MUSICIAN/Label owner | 2.1M monthly listeners
3LAU
“Karat has been my go to card for everything business. In my experience with other financial platforms, Karat’s customer service and rewards system are far superior.”
FACEBOOK INFLUENCER/founder | 21M FOLLOWERS
Nas Daily
"I have over $3M in revenue per year and 20 employees, but traditional financial institutions still don’t trust me with financing. Karat gets it.”
Youtuber/host | 3.5m subscribers
Real Engineering
“Despite running one of the largest engineering channels on YouTube today, I couldn't get help through traditional finance channels. Karat provided me with top-level business financing."
Our featured creators are Karat members, investors, and supporters of the creator community.

Get higher limits, based on your audience

Karat includes your fans and followers in our underwriting, which means you get access to more capital to spend on payroll, materials, ads—anything to grow your business faster.

Funding based on your assets—and audience

Karat includes your fans and followers in our underwriting, which means you get access to more capital to spend on payroll, materials, ads—anything to grow your business faster.

Enjoy actual rewards

Our rewards include categories you actually use and need—like ad spend. We've returned over $100,000 in ad spend rewards to creators—money they use to scale their business (and ambitions).

Choose up to three reward categories. Tweak them every few months based on your spending. Need a custom category? We’ll make one. Terms apply
1–3% cash back on custom categories
Ad Spend
Advertising services, marketing subscription, and more.
Amazon.
Amazon.
Merch Inventory
Design consultation; supplier and shipping expenses.
PayPal
Paypal.
Single Merchants
Ebay, Alibaba to name a few.
Choose your own
Pick your own category.
3–5% cash back on standard categories
Travel
Airlines, Uber, Airbnb and more.
Dining
DoorDash, Uber Eats, restaurants, and more.
Camera Equipment
Canon, Sony, B&H Photo, and more.
Fitness/Gym
Equinox, 24 Hour Fitness, Barry's Bootcamp and more.
Games
Game shops and supplies.
Gas
Chevron, Shell, 76 and more.
Men & Women’s Apparel
Clothing.
Electronics
Apple, Best Buy, Micro Center, music equipment, and more.
Groceries
Whole Foods, Trader Joes, Ralph's and more supermarkets.
Subscriptions
Software, digital applications, and more.
Auto Parts
O'Reilly, Jiffy Lube, Michelin Tires and more.
Cosmetics
L'Oréal, Sephora, Hims & Hers and more.
1–3% cash back on custom categories
Ad Spend
Advertising services, marketing subscription, and more.
Amazon.
Amazon.
Merch Inventory
Design consultation; supplier and shipping expenses.
Paypal
Paypal.
Single Merchants
Ebay, Alibaba to name a few.
Choose your own
Pick your own category.
3–5% cash back on standard categories
Travel
Airlines, Uber, Airbnb and more.
Dining
DoorDash, Uber Eats, restaurants, and more.
Camera Equipment
Canon, Sony, B&H Photo, and more.
Fitness/Gym
Equinox, 24 Hour Fitness, Barry's Bootcamp and more.
Games
Game shops and supplies.
Gas
Chevron, Shell, 76 and more.
Men & Women’s Apparel
Clothing.
Electronics
Apple, Best Buy, Micro Center, music equipment, and more.
Groceries
Whole Foods, Trader Joes, Ralph's and more supermarkets.
Subscriptions
Software, digital applications, and more.
Auto Parts
O'Reilly, Jiffy Lube, Michelin Tires and more.
Cosmetics
L'Oréal, Sephora, Hims & Hers and more.

Manage your growth

Quickbooks Integration
Sync up to two years of transactions with our Quickbooks Online integration for a precise, up-to-date view of your finances.
Employee accounts
Save time with employee accounts. Compound your rewards—and centralize your transactions to make it easy for payments and tax returns.
Karat Concierge
Lost a card? Don’t understand a transaction? Get support between 6am-11pm PT with a concierge that sets the industry standard for speed, access, and knowledge.
Spend Management
Track and manage spend from a dashboard backed by 256-bit encryption, Visa’s fraud algorithm, and SHA-256 encryption.
Quickbooks Integration
Sync up to two years of transactions with our Quickbooks Online integration for a precise, up-to-date view of your finances.
Employee Accounts
Save money and time with employee accounts. Compound your rewards—and centralize your transactions to make it easy for payments and tax returns.
Karat Concierge
Lost a card? Don’t understand a transaction? Get support between 6am-11pm PT with a Concierge that sets the industry standard for speed, access, and knowledge.
Solid State Software
Track and manage spend from a dashboard backed by 256-bit encryption, Visa’s fraud algorithm, and SHA-256 encryption.

Scale your brand

Financial Planning
Karat Members have free access to a professional financial advisor to help with corporate structuring, planning, and taxes.
Personalized Merch
Karat Creative Services can help with merch design and fulfillment, expanding your income and community engagement.
Influential Billboards
Karat Members are regularly featured on billboards in Times Square and Hollywood—polishing their profile and brand.

Build your network

Supernova
Karat Members get exclusive access to events like Supernova, the Shark Tank for creators, to help them  build their networks and learn to invest.
Casino Night
Karat Rewards include closed-door Casino Nights, a chance to not only meet other creators—but win some of their cash ;)

Re-invest in your content

Customized rewards
Creator-friendly rewards give you more money back on your card—money you can re-invest in your content and distribution. Terms apply.
No extra costs
Karat doesn’t charge interest or annual fees. That’s more money for your content: better equipment, more editors, grander ambitions.

Protect your future self

The Karat card allows you to spend via a merchant cash advance so you can spend with no fees or interest. Here’s how that works in plain English.

Karat issues you a merchant cash advance through your Karat card. That means Karat provides an advance to you that is paid back based on current and future revenue.

For instance, if Karat advances $200 to you and you spend $100, to continue working with Karat and to receive additional advances, you need to share some portion of your current and future revenue until you have paid off the $100 you spent and no more.

Protect your future self

The Karat card allows you to spend via a merchant cash advance so you can spend with no fees or interest. Here’s how that works in plain English.

Karat issues you a merchant cash advance through your Karat card. That means Karat provides an advance to you that is paid back based on current and future revenue.

For instance, if Karat advances $200 to you and you spend $100, to continue working with Karat and to receive additional advances, you need to share some portion of your current and future revenue until you have paid off the $100 you spent and no more.

Creators get carded

Airrack
ZHC
Graham Stephan & Jack Selby
Elliot Choy
Jordan Matter
Kelly Stamps
Nick DiGiovanni
Where it happens
Brand risk

FAQ

Questions and answers

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What are you waiting for? Apply.
It’s time to grow.