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If you manage multiple business entities, you can create and switch between organizations directly from your dashboard. Each organization has its own accounts, cards, team members, and settings, all accessible under a single login.

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Creating a new organization

You can add a new organization to your account at any time.
  1. Click the organization name and avatar in the bottom left of your dashboard
  2. Select Create new organization at the bottom of the list
  3. Enter a nickname for the organization (up to 32 characters)
  4. Click Create organization
Your new organization is created immediately. You can switch into it right away and begin setting up accounts, cards, and team members.

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How to switch organizations

To switch to a different organization:
  1. Click the organization name and avatar in the bottom left of your dashboard
  2. Select the organization you want to switch to from the list
  3. Wait for the switch to complete
A “Switching to…” overlay appears while the change is in progress. Once complete, your dashboard refreshes to show the selected organization’s accounts, cards, and transactions. You remain logged in with the same credentials.

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What changes when you switch

When you switch organizations:
  • Your session updates to the new organization’s context
  • All account data refreshes to show the selected organization
  • Your cards, transactions, and settings reflect the new organization
Each organization maintains its own separate accounts, cards, team members, and settings.

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Joining another organization

If someone invites you to join their organization and you already have a Karat account, you’ll see an invitation prompt on your dashboard. You can accept it directly without creating a new account. Once you accept, the new organization appears in your organization switcher. For more details on team invitations, see Inviting teammates to your account.

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Linking bank accounts across organizations

When you link a bank account via Plaid, Karat checks whether that account is already connected to one of your other organizations. If a match is found, you’ll see a warning before proceeding. You can still link the same bank account to multiple organizations, but be aware that this may affect how transaction data is shared and could impact underwriting decisions for each organization. For more details, see Linking your bank accounts.

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Migrating to multi-entity structure

If you’re currently using Karat under separate logins and want to manage multiple business entities under one account, our team can consolidate everything into a multi-entity setup.

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How to request a migration

Contact our team and include:
  • A list of all account email addresses you’d like consolidated
  • The primary email address you want to use as your main login going forward
Our team will review your request and complete the migration on your behalf. Once finalized, you can access and switch between your organizations directly from the dashboard. 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.