Karat Financial

Karat Financial is headquartered in Los Angeles, CA.

Better financial services for creators

Many businesses, especially creators and influencers, juggle three to five separate apps just to manage banking, credit cards, bookkeeping, and AP/AR.

Karat is an all-in-one business banking platform combining checking accounts, a credit card, mass payments, AI-driven bookkeeping, and invoicing in a single dashboard.

The site claims its credit card sets limits based on business and social activity rather than just credit score, and that transactions are automatically categorized by AI for real-time P&L and financial reports.

Co-founded by Eric Wei and Will Kim, Karat has raised over $100 million and counts well-known online creators such as Graham Stephan and 3LAU among its users.