Karta.io is a spend management platform for businesses to reach full expense control and scale faster. We work to give companies budget automation, all-in-one payments hub, unlimited virtual cards, and more. With Karta.io, businesses can eliminate manual work and focus on growth.

“Initially, we created karta.io as a service for internal use to help solve our problems, but we soon realized that this service would be useful for other companies as well. First and foremost, our solution is aimed at empowering finance teams; this allows your company to broaden the potential of its spend management process through consistency, availability, and flexibility” says CEO Nikita Zimarkov.

We are dedicated to creating a more inclusive and intelligent approach to business credit. We are on a mission to increase access to capital and opportunities for first-time founders, new business owners and underrepresented, underserved small businesses.

Tillful helps business owners build strong business credit quicker and stay on top of their financial health with a platform that includes free business finance management services, resources, tools and exclusive funding opportunities based on our proprietary credit scoring models using AI and machine learning.

We harness the insights we’ve gained through years of developing AI-based credit models for lenders, enterprise companies and large financial institutions to help empower small businesses in taking control of their credit health and gain greater access to the capital and credit they need to launch or grow their businesses.