Business Investment Account

Investment Account optimized for higher yield and liquidity.

Get up to a 4.15%1 in a fixed-income portfolio†. Professionally managed, fully automated, and liquid when you need it.

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Up to 4.15%1. Broader diversification. Smarter allocation. Higher yield.
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Up to same-day liquidity2. Withdraw from your dashboard. No calls, no forms.
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Zero effort Tailored to your preferences. Reinvested at maturity. Rebalanced for liquidity.

Set your strategy.
Let us do the work.

Pick the ratio between liquid funds for quick access and diversified fixed-income to make cash work harder. We manage the rest.

Portfolio optimized
Investment account
4.15%
Short term
3.8%
Next day liquidity
Money market funds
$1M
$2.4M
Long term
4.15%
2 day liquidity
Money market funds, US treasuries, investment-grade corporates, CDs

Give your company a raise

Higher yield funds real things. A new hire, a new AI tool, extra runway. Enter your balance and see what you could unlock.

Professional investing. Live in minutes.

Liquid funds for quick access. A diversified allocation to make your cash work harder. Your preferences, our execution.

Up to same-day access to your funds

Withdraw funds in one click.

Up to same-day access2 access to your funds directly from the dashboard. No phone calls, no emails, no waiting.

Institutional-grade portfolio management with no friction.

Your portfolio runs itself to stay optimized.

One platform > Multiple apps

Cash, cards, payments, and investments all on one platform with one easy login.

braintrust

“Having cards, accounts payable and banking in one place saves me a ton of time. I'm not juggling multiple tools to get simple finance work done, so I can spend time on the work that actually moves the business forward.”

Sarah Zeng

Chief of Staff at Braintrust

Investment Account

Add a Checking Account* built for yield, speed, and safety.

Earn more on operating cash with instant payments, free transfers, and no fees.

FAQs

Ramp Investment Account

Investment Account portfolios are diversified, investment-grade fixed-income strategies. Depending on the specific strategy, portfolios may include the following underlying assets:

  • US Treasury and Agency securities
  • Investment-grade municipal bonds
  • Investment-grade agency and mortgage-backed securities
  • Certificates of deposit, cash sweeps, time deposits
  • Investment-grade corporate bonds and commercial paper
  • Repurchase agreements and other high-quality short-term instruments
  • Money market mutual funds

Your Investment Account is protected by SIPC (up to $500,000, including $250,000 cash) in case of brokerage failure. SIPC does not protect against market losses.

You can access your short-term balance with next-business-day liquidity, with no lockups. Withdrawals above your short-term balance may require selling securities from the long-term portion and funds are typically available in 2 business days.

Your total position must be at least $5,000. This includes initial investments and ongoing balances. If your balance falls below $5,000, Ramp may liquidate the remaining balance and return the proceeds to your Ramp Business Account. After your initial investment of $5,000, you can invest more with a minimum deposit/withdrawal size of $50.

Time is money. Save both.