Our vision:

We envision a world with more assets than debt, where having a larger investment portfolio is more mainstream than a high credit score, we will see our vision come to life in 4 countries:

USA
Canada
Mexico
UK

Meet the team:

Karat is backed by serial entrepreneurs with 65+ years of executive fintech experience and a combined 7 previous exits under our belt

Vashon Gonzales Founder

‍Former founder of KAPED who built the company from concept to acquistion at the age of 27 and sold his first credit card portfolio at the age of 25.

2. Upgrade or purchase new equipment

Get the hardware and equipment you need to accelerate your operations.

3. Hire and expand your staff

Invest in people who can help you elevate your business.

4. Invest in your space

Renovate and expand your physical and virtual space to enhance your brand and your customers’ experience.

How it Works

Once you are a KAPED member, you can skip the lengthy credit application process. Our KAPED matching engine finds and pre-approves you with the most appropriate credit offers from over 500 funding options.

Once approved, a dedicated advisor will work with you to get you the funding that your small business needs.

Minimum Qualifications

To be eligible for Kapital, you must have:

$5,000 in monthly sales
At least 6 months in operations

Register a KAPED Account

At no charge and with no impact to your credit score

Receive Pre-approved Offers

Review over hundreds of offers provided for your business

Get Funded Right Away

Money is transferred to your account in as little as 24 hours

Kapital makes it easy for you to get approved for the funding you need to take your business to the next level.

Apply Now

About Us

Helping people is all we know how to do.

Our mission:

Karats goal is to end the credit card debt crises currently plaguing the nation by turning debt into an wealth generating asset class for consumers and businesses.