Top accelerator startups

Startups14,448Programs29

14,448 startups · 29 programs

Karat Financial

Active · Business banking that helps you grow

WebsiteYC profile

Why it ranks

How the rank works
13signal of 100 · rising 2
  • team of 25Team size · YC's directory+7.3
  • went through YCProgram · this site+4
  • hiringHiring · Titles (titles.fru.dev), YC+2

A sum of public facts, not a judgement and not investment advice.

Competitors

OtherAcquiredJemiShared: entertainment, grow, creatorYC S20San FranciscoStartup →OtherInactiveKrabShared: banking, credit, paymentYC W21HyderabadStartup →
Companies closest to Karat Financial
Company
JemiShared: entertainment, grow, creatorYC S20AcquiredOther
KrabShared: banking, credit, paymentYC W21InactiveOther

Adjacent

OtherProspaShared: bankingYC W21LondonStartup →OtherFiat RepublicShared: bankingSeedcamp 2021Startup →Developer toolsArgoShared: entertainment, creatorYC W22Los AngelesStartup →OtherComunShared: bankingSPC 2021New YorkStartup →OtherAcquiredBueno FinanceShared: creditYC W21GurugramStartup →
Companies next to Karat Financial
Company
ProspaShared: bankingYC W21ActiveOther
Fiat RepublicShared: bankingSeedcamp 2021Not statedOther
ArgoShared: entertainment, creatorYC W22ActiveDevtools
ComunShared: bankingSPC 2021Not statedOther
Bueno FinanceShared: creditYC W21AcquiredOther

Also from W20

All of W20
AIAcquireddelt.aiDigital banking for businesses in Latam.YC W20Mexico CityStartup →AIInactiveEasyplanAn AI-driven investment app for beginner investors in IndiaYC W20MHStartup →AIGuruHotelAI-native direct booking infrastructure for global hospitalityYC W20Mexico CityStartup →AIHandlHandl converts documents (invoices, income stabs, custom forms, etc.)…YC W20San FranciscoStartup →AIMedicare Vox (fka Fair Square)Building an AI Health Insurance Agent.YC W20San FranciscoStartup →AIModernbancAccounting software that works for youYC W20LondonStartup →
Company
delt.aiDigital banking for businesses in Latam.team of 26acquiredAcquiredAI
EasyplanAn AI-driven investment app for beginner investors in Indiateam of 8InactiveAI
GuruHotelAI-native direct booking infrastructure for global hospitalityteam of 122 programsActiveAI
HandlHandl converts documents (invoices, income stabs, custom forms, etc.)…team of 29ActiveAI
Medicare Vox (fka Fair Square)Building an AI Health Insurance Agent.team of 20ActiveAI
ModernbancAccounting software that works for youteam of 6ActiveAI

About Karat Financial

We provide business banking, credit, & payments for fast growing businesses & creators.

YC batch
W20 · Winter 2020
Status, per YC
Active
Category
Other
Team size
25
Location
Los Angeles, CA, USA
Checked
10h ago

YC tags: Fintech, Entertainment

Changes seen

StageOct 19, 2026

Stage changed from Early to Growth.

Source ↗
Team sizeOct 15, 2026

Team went from 40 to 25 people.

Source ↗
StageOct 15, 2026

Stage changed from Growth to Early.

Source ↗
One-linerOct 15, 2026

Rewrote its one-liner; it read "Better financial services for creators"

Source ↗

Karat Financial in W20: 229 companies, 29% AI

Karat Financial: questions

Which YC batch was Karat Financial in?

Karat Financial was in Y Combinator's Winter 2020 batch (W20).

Is Karat Financial still active?

Y Combinator lists Karat Financial as active.

Where is Karat Financial based?

Karat Financial lists Los Angeles, CA, USA as its location on YC's directory.