“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.”
“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.”
“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
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
Graham Stephan
ZHC
Dental Digest
Elliot Choy
Jordan Matter
Kelly Stamps
Nick DiGiovanni
Graham Stephan & Jack Selby
Brand risk
FAQ
Questions and answers
How does Karat make money?
How stable is Karat?
How much does this cost?
How do I get started?
How does Karat make money?
How stable is Karat?
How much does this cost?
How do I get started?
Uh, this is the bottom of the page.
What are you waiting for? Apply. It’s time to grow.