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Our Mission:

we help creators manage their finances

why we exist

The best creators today aren’t just creative—they’re business savvy.

They’re making money while they sleep, writing off business expenses, launching brands.

And we’ve helped them do it—with top creator clients like Ludwig, Wendover Productions, and Alex Botez.

We’re Karat. We help creators with money. And we want to help you.

To get started, set up business banking with Karat.

We know you’re busy creating content. So we’ve made it easy to do online in minutes.

Your income fluctuates. So we’ve set up a business checking account where you can do wires & transfers for free—and earn higher yield than other banks offer.

You work for yourself. So we built in a service to help you set aside money for taxes and connect with CPAs.

Karat is a financial technology company and not a bank. Banking services provided by Grasshopper Bank, N.A., member FDIC.
card

when your business is ready to grow, set up a business credit card with Karat.

Based on your social & financial stats, we can offer higher limits & rewards than other cards.

Karat is a financial technology company and not a bank. The Karat Visa® Business Credit Card is issued through Cross River Bank, Member FDIC and pursuant to a license by Visa USA.

And you’re not alone—join our community.

Making content is lonely. We’ve built a Discord with growing & established creators so you can build your content business with peers.

Making content is hard. So we’ve developed an expert course built from hundreds of hours of expert convos with creators like Alex Hormozi, Jack Conte, Graham Stephan.

Making content is expensive. So we’ve negotiated thousands in savings for Karat members on tools you need like Epidemic Sound, Manychat, and Spotter.

Join Discord

OUR story

Our cofounders met each other playing board games in 2016.

Eric was working at Instagram with top creators and saw how they struggled to manage their businesses.

Will ran an investment fund and previously worked at Goldman Sachs.

Together—they decided to build a better financial system for creators—because banks today make it really hard.

OUR Investors

We’ve raised over $100M from the best people in the creator & fintech world.

our track record

Our clients include Alex Botez, Graham Stephan, Nick DiGiovanni, Ludwig, Wendover Productions and more.

We’ve extended over $1.5B in credit to creators.

Creators who work with us made over $2.4B in 2024 alone.

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Apply now

Business banking that gives you peace of mind.

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Karat is a financial technology company and not a bank. Banking services and the Karat Business Banking Visa® Card are provided by Grasshopper Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Karat Visa® Business Credit Card is issued by Cross River Bank, Member FDIC, under a separate license from Visa U.S.A. Inc. See Privacy Policy, Card Program Terms, Cardholder Agreement, Deposit Account Agreement Disclosures , and Karat Premium Terms of Service. Karat Financial is not affiliated with Karat, Inc. at http://www.karat.com

Deposit placement through ICS is subject to the terms, conditions, and disclosures in the applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured  (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and IntraFi Cash Service is a service mark, of IntraFi Network LLC.

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