You have the audience. You have the income. Banks just don't know how to see it. We do.
Apply NowYou earn real money. You have a real audience. But traditional banks don't see you as a "real" business. They need W-2 forms. They want three years of tax returns. They don't understand YouTube ad revenue or Substack subscriber income.
The result: creators who earn six figures a year can't get a $20,000 business loan. Meanwhile, traditional businesses with less actual revenue get approved every day.
That's the gap Kreo was built to close.
Fast, fair financing based on your content performance — not your credit score.
Tell us about yourself and your channel. Connect your creator accounts so we can see your performance data. No paperwork. No long forms. No waiting on hold.
Our AI-powered platform — built on Google Cloud's Vertex AI — evaluates your content performance and revenue history to build your financing profile. We look at what actually matters to understand a creator's business, not what banks look for.
You'll receive a clear financing offer: how much you qualify for, the repayment terms, and the total cost. No hidden fees. No confusing fine print. You decide whether to accept.
Once you accept, funds are transferred directly to your bank account. You can use the capital however you need — equipment, team, content production, marketing, or working capital.
Repayments are a percentage of your future revenue — automatically collected. When you earn more, you pay back faster. During slower months, your payment naturally adjusts. No fixed monthly bill.
Decisions in 24–48 hours. No waiting weeks for a response that ends in rejection anyway.
We never take a stake in your channel or content. Your audience, your brand, your business — 100% yours.
Repay as a percentage of revenue. Payments automatically flex with your earnings — higher months pay back more, slower months pay less.
Every offer is clear and complete before you sign. No hidden fees, no surprise charges, no fine print tricks.
Your financing is based on your creator business, not your personal assets or credit score.
Our platform uses advanced AI to evaluate creator businesses — not outdated banking criteria designed for a different era.
Whether you create on video, audio, written, or live platforms — we can work with you.
Join 500+ creators already on the Kreo waitlist. Early applicants get priority access.
Apply Now