One-stop-shop banking for SMBs
Built for any business that means business. One account for banking, cards, invoicing, bookkeeping and more with no minimums or hidden fees.
Banking tools and services to power your business
High yield checking
Earn up to [premium_atp_rate]% APY on completely liquid cash balances
Easy payments
Move money with free ACH, wires,* tax-compliant bulk payments
Team management
Set different limits and permissions for your team and accountants
Extended coverage
Millions of dollars in FDIC insurance on your balances
Business Visa® cards
Physical and virtual cards for you and your team's expenses
Tax planning accounts
Automatically set-aside money for tax season while earning higher APY
Automated bookkeeping
AI-powered categorized transactions for tax-ready reports
Effortless invoicing
Create, send, and manage branded invoices from your bank account
Business banking to stay organized
Karat Banking gives you a U.S. business checking account with no hidden fees.
You can create multiple checking accounts to organize your income, expense, and operational accounts.
Everything runs through one dashboard, and your funds are FDIC-insured (up to millions of dollars per account) through our banking partner.
A credit card that sees your real potential
Karat looks at your audience, your growth trajectory, and your actual business activity when underwriting your credit limit. You don't need a decade of business credit history to get started. You'll get a limit that makes sense and compelling rewards to kickstart your business.
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Let your money make you money
Earn up to [premium_checking_rate]% APY on your checking balance, more than 10x what you get from other banks.*
*Based on an average publicly available interest rate of [standard_checking_rate]% APY at other banks. Rate as of [rate_effective_date]. See Business Deposit Account Agreement Disclosure for details.
Your bookkeeping on autopilot
Stop sorting spreadsheets — we’ve got it covered.
All-in-one business banking for growing businesses
A single product for everything you want to accomplish with your money.