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Karat brings your business banking, card spend, payments, and bookkeeping into a single dashboard. With a Karat account, you can hold funds in a Checking account, set aside taxes automatically using a Tax ATP account, send and receive payments, issue Banking Cards to your team, and access the Karat Card if approved for credit. You can also manage bulk payouts, create and send invoices, track spend across cardholders, generate financial statements, connect external accounts, and invite teammates with custom permissions. Everything lives in one place so you can view balances, transactions, cards, and reports without switching between tools.

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Getting started

Most customers begin by funding their Checking account, activating their virtual card, and inviting teammates if needed. Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC. The Karat Visa® Business Credit Card is issued by Cross River Bank, Member FDIC, and pursuant to a license from Visa️ USA.