About Kreo

Our Story

Kreo was founded with a simple observation: millions of creators earn full-time incomes, build loyal audiences, and run real businesses — yet they're shut out of the financial system that should be serving them.

Banks require W-2s, tax returns, and years of business history. They don't understand platform revenue, sponsorship income, or creator monetization. The result? A $500B+ creator economy with almost no access to the working capital it needs to grow.

We're changing that by building a data-driven financing platform that evaluates creators on what actually matters: their content performance and revenue history. Fast decisions, transparent terms, no equity taken.

Our Mission

To democratize access to capital for every creator — regardless of whether they fit the traditional banking mold.

Our Vision

A world where every creator with a sustainable income stream can access the capital they need to grow their business on their own terms.

Founded

2025 · San Francisco, CA

Founding Team

We bring together deep expertise in structured credit, fintech, and data science — built specifically to serve the creator economy.

Bharat Desai

Founder & CEO

Bharat has spent over six years as a credit investor enabling capital markets operations at innovative fintech firms globally. He founded Kreo to apply proven AI-driven financial technology approaches to the creator economy — a massive, underserved market with significant growth potential.

We're Hiring

Key Roles Open

We're building a world-class team to transform creator financing. Open roles include CTO, Head of Credit Risk, and Growth Lead.

Get in Touch →

Built for Scale on Google Cloud

Kreo is a digital-native, cloud-first business. Every part of our platform — from application intake to underwriting to repayment — is automated and built to scale. There are no manual processes, no consultants, and no traditional lending delays.

We built on Google Cloud Platform from day one because it gives us the compute power, AI/ML tools, and global infrastructure we need to serve creators at scale. Our underwriting models run on Vertex AI; our analytics pipeline is powered by BigQuery; and our data infrastructure uses Cloud Storage and Cloud Run.

☁️ Google Cloud Platform

🤖 Vertex AI (ML Underwriting)

📊 BigQuery (Analytics)

🔐 Bank-Grade Encryption

⚡ Cloud Run (API)

🌍 Global Infrastructure

100% Digital-Native

✓ Fully automated platform
✓ No manual underwriting
✓ No paper forms or branches
✓ API-first architecture
✓ Real-time decisions
✓ Built for global scale