Karat Financial

Karat Financial specializes in providing a credit card specifically designed for creators and influencers, addressing the unique challenges they face in accessing credit. The Karat Black Card is tailored to accommodate the unpredictable income and diverse revenue streams typical of the creator economy, recognizing that traditional banks often do not understand this business model. By leveraging an algorithm that evaluates both financial and social metrics—such as reach, engagement, and recent earnings—Karat Financial determines credit limits and offers customized rewards to its users. This approach enables digital creators to obtain the credit liquidity necessary for growing and managing their businesses effectively.