What is Ramp?
Ramp is a powerful fintech platform that combines corporate cards with spend management tools for businesses of all sizes. Founded in 2019, this rising star in the financial technology space has quickly become a game-changer for companies seeking to streamline expense management and improve financial operations.
The platform serves as an all-in-one solution designed to automate finance operations and build healthier businesses. Over 20,000 companies—including notable brands like Shopify, Zola, Opendoor, and Glossier—have switched to Ramp to optimize their financial processes.
How Ramp Works
Ramp functions as a comprehensive financial operations platform that helps companies achieve more by spending less. The system replaces multiple disconnected tools with a single unified platform designed to make finance teams faster and happier.
At its core, Ramp offers a suite of financial management tools that help businesses handle expenses, invoices, and budgets through user-friendly interfaces. Users can access corporate charge cards that earn cashback rewards while implementing spending controls, receiving real-time alerts, and integrating with popular accounting software.
Key Benefits for Businesses
Companies using Ramp save an average of 5% on expenses and close their books 8x faster than with traditional methods. The automation capabilities drive significant time savings by eliminating manual processes like expense reports and reconciliation tasks.
Finance teams gain complete visibility into company spending with real-time tracking and intelligent insights. Strategic decision-making improves as businesses can quickly identify cost-saving opportunities and make data-driven choices about resource allocation.
Standout Features
- Corporate Cards with Controls : Issues physical and virtual cards with built-in spending limits and controls to prevent out-of-policy transactions.
- AI-Powered Automation : Uses artificial intelligence to categorize and track expenses automatically, reducing manual effort while ensuring accurate record-keeping.
- Self-Submitting Expenses : Eliminates traditional expense reports through automatic receipt collection and matching.
- Bill Payment System : Streamlines accounts payable with automated check payments, ACH transfers, and international wires with cash back rewards.
- Travel Management : Allows employees to book travel that stays within policy guidelines while keeping loyalty points.
- Vendor Management : Provides insights into vendor spending patterns and helps businesses negotiate better terms.
- Seamless Integrations : Connects with popular accounting systems like QuickBooks, NetSuite, Xero, and Sage Intacct for real-time data syncing.
Who Should Use Ramp?
Ramp is particularly valuable for small and midsize companies seeking scalable financial software solutions. Startups benefit from streamlined accounting systems and cash flow management tools that help them operate efficiently during critical growth phases.
Financial services firms with complex structures appreciate the advanced management tools and automated processes. Companies with remote workforces find Ramp’s cloud-based platform and mobile app essential for managing expenses from anywhere.
What Users Are Saying
Hundreds of 5-star reviews make Ramp the top-rated finance, expense, and card software in its category. Users consistently highlight how the platform transforms outdated systems and improves efficiency.
Business owners report closing their books days earlier thanks to the automated workflows and real-time transaction processing. The intuitive interface receives praise for being easy to use even with minimal assistance from administrators.
The Bottom Line
Ramp delivers on its promise to help businesses spend less while accomplishing more through intelligent automation. The platform’s combination of expense management, real-time insights, and streamlined workflows creates measurable improvements in financial operations.
For businesses looking to modernize their finance operations and build healthier bottom lines, Ramp offers a compelling all-in-one solution. The platform continues to evolve with the fintech industry, positioning itself as an essential tool for financial efficiency and business success in 2025.