The business account for service companies.

Get paid on invoices. Keep the money in one place. Pay vendors and field expenses from it. Books that already match the bank.

Open an account See how it works No monthly fee. Takes about ten minutes. US businesses.

One account that does the whole loop.

Most business accounts stop at "hold money." Craton starts at the invoice and ends at the books, because that's the actual job.

Account

Your own routing and account numbers. Send and receive ACH and domestic wires. Set aside money for taxes or parts in named buckets that live inside the same balance, so nothing is hidden and nothing is forgotten.

Incoming wire, Invoice 1039+$9,350.00
Moved to Tax set-aside$2,337.50
Vendor bill, Restek−$640.00

Card

Virtual cards instantly, physical cards for the truck. One per technician, spend limits you set, and every swipe lands on the job it was for.

Field card 02Job 2281
Field card 03Job 2279

Invoicing

Send invoices with a pay link. Card or bank debit. The money lands in your account and the invoice marks itself paid.

Bill pay

Pay vendors by ACH or check from the account. Approvals if you want them, none if you don't.

Books

Every transaction categorized as it happens. Export to QuickBooks or Xero, or hand your accountant a statement that already reconciles.

Built for how service work actually gets paid.

Net-30 purchase orders, parts bought in the field, deposits on systems that ship next month. A month at a service company looks like this, and a checking account built for coffee shops doesn't know what to do with it.

Pricing you can hold in your head.

The account is free. We earn a share of card interchange when you spend and a small fee when you accept payments. That's it.

Craton

$0 / month

For any US service business.

  • Business account with routing and account numbers
  • Unlimited ACH, domestic wires
  • Up to 3 cards
  • Invoicing with pay links
  • Set-aside buckets
  • Books export
Open an account

Craton Crew

$29 / month

For teams with technicians in the field.

  • Everything in Craton
  • Unlimited cards with per-tech limits
  • Card spend tagged to jobs
  • Bill pay with approvals
  • Escrow for instrument sales
  • Priority support from people who've held a wrench
Open an account

Accepting payments: 2.9% + 30¢ on cards, 0.8% on bank debit, capped at $5. Escrow priced per transaction. No fees to send money, hold money, or close the account.

What we can say plainly.

Craton is a financial technology company, not a bank. Here's exactly what that means.

Where the money sits
Accounts and payment processing are provided by Stripe Payments Company, a licensed money transmitter, with funds held at its partner banks, Members FDIC.
What Craton holds
The record. Craton never takes custody of your funds. The party that holds money is licensed and audited for it; the party that keeps the books can't touch it.
US only
Accounts are for businesses operating in the United States and can't send or receive funds internationally.
Balances are never stored
Every figure is computed from the transaction record at the moment you ask. There's no cached total to drift.
Reconciled nightly
Our ledger is checked against processor records every night. A mismatch pages a person.
Who we are
Craton Financial LLC, California. Built by people who run a field service company and use this account for their own books.
Works with Ridgeline users can open a Craton account from the Money tab.