About Karat Financial

Karat provides customized financing, rewards, and support for creators so you can access more money as you grow.

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.

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.