A YouTube channel can have payroll, inventory and a million viewers, yet still look like a hobby to a lender. Creative Juice built the financial desk for the business behind the camera - then learned that cash mattered as much as the account.
Karat Financial is a Los Angeles-based fintech building banking, credit cards, and financial tools for the creator economy. Founded in 2019 by Eric Wei and Will Kim, Karat underwrites digital creators and influencers using their social metrics and online business performance rather than traditional credit signals, giving YouTubers, streamers, and other entrepreneurs access to credit, banking, payments, and AI-powered bookkeeping that legacy banks routinely deny them.