Help us build a bank for creators

Our culture—the information and entertainment we consume—is driven by an entrepreneurial class of creators who need smart money and efficient tools to scale their business.

I’m not a businessman.
I’m a business, man.

– Jay Z
Your favorite digital creators—the ones you follow every day on YouTube, Instagram, TikTok or Twitch—aren’t just extraordinarily talented personalities and community builders. They’re also businesses. That means they have business needs—managing revenues, expenses, savings, credit, banking. We’re building products that help creators spend less time worrying about finances and operations so they can focus on creating.

What we’re building

Financial services
Cards. Accounts. Investments. Instruments to give creators access to the capital they need to build momentum and scale their business.
Operational tools
Payments. Payroll. Taxes. Accounting. Infrastructure to power the back-office demands of growing media companies.
Financial services
Cards. Accounts. Investments. Instruments to give creators access to the capital they need to build momentum and scale their business.
Operational tools
Payments. Payroll. Taxes. Accounting. Infrastructure to power the back-office demands of growing media companies.
Financial services
Cards. Accounts. Investments. Instruments to give creators access to the capital they need to build momentum and scale their business.
Operational tools
Payments. Payroll. Taxes. Accounting. Infrastructure to power the back-office demands of growing media companies.
Concierge services
Support. Creative services. Legal and financial advisory. The people and tooling to help creators access timely, concise information from professionals who know the industry.
Community & Education
Events. Collaborations. Podcasts and films. Guides. The people, ideas, and information to foster a community of creators and compound the value they create.
Concierge services
Support. Creative services. Legal and financial advisory. The people and tooling to help creators access timely, concise information from professionals who know the industry.
Community & Education
Events. Collaborations. Podcasts and films. Guides. The people, ideas, and information to foster a community of creators and compound the value they create.
Concierge services
Support. Creative services. Legal and financial advisory. The people and tooling to help creators access timely, concise information from professionals who know the industry.
Community & Education
Events. Collaborations. Podcasts and films. Guides. The people, ideas, and information to foster a community of creators and compound the value they create.

What we care about

Creators. Creative freelancers. Creator-led businesses. We obsess about their goals and challenges, and focus on things that help them grow faster and stronger, which in turn enriches the culture in which we all live.

We are inspired by their spirit, drive, and ingenuity—and try to reflect that in our teams, process, and behaviour.

We love working with people who:

Are naturally curious
Bring clarity and focus to their craft
Thrive on teamwork yet act independently
Hustle—and want to win
Make us laugh and feel connected

What we care about

Creators. Creative freelancers. Creator-led businesses. We obsess about their goals and challenges, and believe the things we’re building help them grow faster and stronger, which in turn enriches the culture in which we all live.

We are inspired by their spirit, drive, and ingenuity—and try to reflect that in our teams, process, and behaviour.

We love working with people who:

Are naturally curious
Bring clarity and focus to their craft
Thrive on teamwork yet act independently
Hustle—and want to win
Make us laugh and feel connected

Life at Karat

An imperfect mosaic
drops & merch
Jack in black
We make fantastic merch for our team and members. How soft are our hoodies? So soft that Mr. Jack “Patreon” Conte stopped working to model our black hoodie in his studio. That is gangster soft.
events
Casino Nights
Your favourite creators are disciplined, ovary-busting entrepreneurs building the future of our culture. Not co-incidentally, they need to occasionally let off steam and spend some gold coins at our Casino Nights. We host events around the country—ostensibly to have fun, but mostly to help people create connections, foster collaborations, and continue to build their community of peers. We’re in this game for the long haul, and aim to reflect the energy we receive from creators right back at them.
community
LA HQ
We said “no thanks” to WeWork and invested in our very own Creator House, a stunning estate in West Hollywood where we work, host dinners, throw parties, film videos, record podcasts, and most certainly jump in the pool when things get to be too damn much. (PS: Come join us for dinner.)
team meets
Meet-up, food-in
A distributed, async team is super-efficient and quite possibly the future of work. But whatever. We like to meet in fancy cities whenever possible so we can eat all the things. ALL THE THINGS.
collabs
Supernova
We created and host Supernova, the Shark Tank for Creators. Every month or so we assemble some of the world’s top creators to evaluate 4-5 pitches from founders building the next generation of B2C/B2B and DTC companies. Why Supernova? Because creators are businesses, man. (Didn’t you read the Jay-Z quote above?) They make money and want to invest that money in the next big thing.
wfh
Vibes
Yuki likes to chill near Julia, our Concierge manager. Yuki doesn’t have a blue check, but he’s an unofficial Karat mascot, an emblem of the smooth vibes we maintain while juggling our busy days. Winning matters, but the journey matters more. And treats. Treats matter too.
drops & merch
Jack in black
We make fantastic merch for our team and members. How soft are our hoodies? So soft that Mr. Jack “Patreon” Conte stopped working to model our black hoodie in his studio. That is gangster soft.
events
Casino Nights
Your favourite creators are disciplined, ovary-busting entrepreneurs building the future of our culture. Not co-incidentally, they need to occasionally let off steam and spend some gold coins at our Casino Nights. We host events around the country—ostensibly to have fun, but mostly to help people create connections, foster collaborations, and continue to build their community of peers. We’re in this game for the long haul, and aim to reflect the energy we receive from creators right back at them.
wfh
Vibes
Yuki likes to chill near Julia, our Concierge manager. Yuki doesn’t have a blue check, but he’s an unofficial Karat mascot, an emblem of the smooth vibes we maintain while juggling our busy days. Winning matters, but the journey matters more. And treats. Treats matter too.
community
LA HQ
We said “no thanks” to WeWork and invested in our very own Creator House, a stunning estate in West Hollywood where we work, host dinners, throw parties, film videos, record podcasts, and most certainly jump in the pool when things get to be too damn much. (PS: Come join us for dinner.)
team meets
Meet-up, food-in
A distributed, async team is super-efficient and quite possibly the future of work. But whatever. We like to meet in fancy cities whenever possible so we can eat all the things. ALL THE THINGS.
collabs
Supernova
We created and host Supernova, the Shark Tank for Creators. Every month or so we assemble some of the world’s top creators to evaluate 4-5 pitches from founders building the next generation of B2C/B2B and DTC companies. Why Supernova? Because creators are businesses, man. (Didn’t you read the Jay-Z quote above?) They make money and want to invest that money in the next big thing.

The perks of being a 👶🥕

Knowledge work requires clarity to be effective. Having the emotional and mental energy to focus and build things means taking care of your health, body, and spirit. Here are some of things we do to find that daily balance.
Work anywhere in NA/SA
We’re a distributed team with members in the US, Canada, and South America.
Build your own schedule
Night owl? Early riser? Mid-day workouts? Our work is async—so design your days.
Paid vacations & time-off
We ‘ll enforce 2-3 weeks paid vacation and regular time off to keep you feeling balanced.
Health, Dental, Vision
Coverage for you, your family, and those failing eyes and rotting teeth.
401k / CPP
401K for our American peeps and CPP for the Canucks. Still sorting out South America.
Home office/equipment
A $300/month equipment or home office allowance for computers, chairs, pillows...
Wellness budget
Want to level up your exercise routine? Check out some yoga classes? You’re covered.
Co-working allowance
Don’t have the space for a home office? Need to be around people? Send us the bill.
A Karat card
A team that spends together grows together. Your very own personalized black card.
Creator events
Casino Night. Supernova. Coachella. Join us at our VIP-only events.
Team meets and offsites
Meet with your team in a new city. Join us in Cancun for the annual retreat. Live a little!
LA HQ
Karat HQ welcomes you with open arms if you’re in or travelling to LA.
Work anywhere in NA/SA
We’re a distributed team with members in the US, Canada, and South America.
Build your own schedule
Night owl? Early riser? Mid-day workouts? Our work is async—so design your days.
Paid vacations and time-off
We ‘ll enforce 2-3 weeks paid vacation and regular time off to keep you feeling balanced.
Health, Dental, Vision
Coverage for you, your family, and those failing eyes and rotting teeth.
401k / CPP
401K for our American peeps and CPP for the Canucks. Still sorting out South America.
Home office / equipment
A $300/month equipment or home office allowance for computers, chairs, pillows...
Personal development budget
Want to level up with online courses? Work with a management coach? You’re covered.
Co-working allowance
Don’t have the space for a home office? Need to be around people? Send us the bill.
A Karat card
A team that spends together grows together. Your very own personalized black card.
Creator events
Casino Night. Supernova. Coachella. Join us at our VIP-only events.
Team meetups and offsites
Meet with your team in a new city. Join us in Cancun for the annual retreat. Live a little!
LA HQ
Karat HQ welcomes you with open arms if you’re in or travelling to LA.

Think you might be a fit?

See our open positions—and follow us on Instagram and LinkedIn for dispatches from the creator economy.

The capital in Creator-led business


When we launched our own coffee line–Bankroll Coffee–Karat stepped up to provide the limits needed to run our business when other vendors were slow in processing our payments. Karat gets it.
- Graham Stephen

When we launched our own coffee line–Bankroll Coffee–Karat stepped up to provide the credit limits needed to run our business when other vendors were slow in processing our payments. Karat gets it.
- Graham Stephen

Karat increased my credit limits with just a text to help me process and donate over $160K in meals to Austin residents hit by the winter storm.
- KOKO

Karat increased my credit limits with just a text to help me process and donate over $160K in meals to Austin residents hit by the winter storm.
- KOKO

Karat has been my go to card for everything. Having experience with Amex Platinum, JPMorgan Reserve + more, Karat’s customer service and points system are far superior.
- 3LAU

Karat has been my go to card for everything. Having experience with Amex Platinum, JPMorgan Reserve + more, Karat’s customer service and points system are far superior.
- 3LAU

FAQ

Questions and answers