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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 fintech company, not an FDIC-insured bank. Banking and Card services provided by Grasshopper Bank, N.A., First Internet Bank of Indiana, and Cross River Bank, Members FDIC.