Kajabi is now offering creator financing, citing reports that 81% of small biz owners struggle to access capital

Some of the creators driving our $250 billion industry are pulling in thousands or even millions of dollars in income per month. But despite its volume, that income isn’t delivered in the sort of steady, dependable biweekly paychecks financial institutions like to see–meaning creators often struggle to access things like traditional business loans or lines of credit.

A few creator-specific financial services have popped up to fill that need, and the latest comes from a partnership between Kajabi, which describes itself as the “leading creator commerce platform,” and Parafin, a company that makes “white-labeled, AI-powered financing.”

Kajabi’s core business is offering a platform where content creators and other entrepreneurs can do things like build and sell courses and one-on-one coaching, take payments, and manage websites, email campaigns, and sales funnels. We chatted with one of their creator partners last year: self-dubbed “doctorpreneur” and Instagrammer Dr. Simone Ellis, who told us that between April and December, she sold over $150,000 worth of courses and coaching to fellow dental hygienists through Kajabi.

This new partnership with Parafin will launch Kajabi Capital, “an embedded capital program that grants Kajabi’s network of entrepreneurs access to fast and flexible financing,” Kajabi said in a press release.

(Being “embedded” just means Kajabi Capital will be added to the Kajabi platform, so creators won’t have to go to another landing page or download another app to apply. Instead, folks already working with Kajabi will go to the ‘Capital’ page on their usual Kajabi dashboard.)

In explaining why it decided to launch Kajabi Capital, Kajabi pointed to a June 2025 report

from Goldman Sachs that found 81% of small business owners who have applied for business loans or lines of credit in the last year reported having difficulty accessing them.

“Kajabi Capital addresses this gap directly by embedding fast, flexible financing into the platform experts already use to run their businesses,” Kajabi said.

Financing will be available to “eligible U.S.-based” creators, it added, though it didn’t specify what eligibility requirements they have to meet. Creators who are approved for financing will receive it in “as little as one to two days,” and can use it for “a variety of business-scaling operations, including hiring new employees, running ad campaigns, or launching a new product.”

“Experts have been building trusted online businesses on Kajabi for years, long before the world fully recognized the power of the creator economy,” Steph Visessung, Kajabi’s VP of Commerce, said in a statement. “Our experts have told us loud and clear they need simpler, faster access to capital to keep growing. Kajabi Capital meets that demand, and our partnership with Parafin helps bridge the gap where traditional financial systems have fallen short, unlocking new ways for entrepreneurs to scale on their own terms.”

Sahill Poddar, co-founder and CEO at Parafin, added, “Kajabi is one of the most respected names in the expert economy, helping entrepreneurs turn their knowledge into thriving digital businesses. We’re proud to support Kajabi’s mission by providing quick and transparent access to capital, helping more experts grow on their own terms.”