Rideshare · 3 years
"My income is real. The bank just couldn't see it."
Marcus had been driving five nights a week for three years and still couldn't get approved for a used car loan. Six weeks after joining Grata, he closed.
Grata reads the income you already earn across every gig, platform, and payout, then turns it into the credit, savings, and proof banks will accept.
Grata's classification engine pulls income from every platform you work on, separates the signal from the noise, and assembles a bankable picture in real time.
The freelancers, drivers, sellers, and creators powering the new economy, and the financial life their work has always deserved.
Marcus had been driving five nights a week for three years and still couldn't get approved for a used car loan. Six weeks after joining Grata, he closed.
Priya invoices six clients across three platforms. Her tax-ready ledger writes itself now.
One account, six products, all built around the truth that your income already exists; it just needs to be seen.
Your income is real. Now banks can see it too. Get matched with credit products built around your true earning power.
Taxes built for how you actually earn. Auto-populated from your platforms, with deductions you'd miss on your own.
Auto-save from every payout. Build your emergency fund and tax reserve without thinking about it.
Your 401(k) replacement, automated. SEP-IRA and Solo 401(k) with smart contributions tuned to variable income.
Proof of income, on demand. Replace the pay stub you can't produce with a verified income letter banks accept.
Invest what you earn, grow what you save. Goal-based investing designed for income that isn't a flat line.
Just your name, email, and phone. No SSN. No income proof, not yet. We'll get it from the platforms you already work on.
Link Uber, DoorDash, Upwork, Etsy, Shopify, and dozens more. We read your income securely via API, never your password.
Credit, savings, taxes, retirement, and proof of income, all powered by the real income story you've already been writing.
The root of persona non grata, the diplomatic term for someone unwelcome.
Today, gig workers are effectively persona non grata to traditional banks. We're here to change that.
Open an account in two minutes. Get matched to credit, build savings, and never explain your income to a bank again.
Join the waitlistJoin the waitlist and we'll let you know the moment Grata opens for early access.
Watch your inbox. When Grata opens for early access, you'll be among the first to know.