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Since registering, Twitch streamers who have been rejected for business cards twice have accessed lines of credit. A Vlogger with more than 8M followers can now purchase a car and receive financing. And a festival headlining musician who previously needed a parental co-sign is now building their own Karat credit file. Overtime, Karat will become th... See more

In the past few years, startups like Substack, Patreon, and Shopify have created alternative ways for creators to build businesses online through direct transactions, rather than advertising. This shift exposed a simple fact: in an ad-driven world, creators were generally under-monetizing their audiences.

Even category-defining influencers face these hurdles. Many lack access to credit, loans, and a business bank account. Some float five-figure sums for production costs on PayPal. Others are unable to prove income requirements to secure a lease. What’s more, the metrics that define a sustainable digital business – subscription growth, audience engag... See more