Business Investment Account

Investment Account optimized for higher yield and liquidity.

Get up to a 4.18%1 in a fixed-income portfolio. Professionally managed†, fully automated, and liquid when you need it.

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Up to 4.18%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.

Money market funds for quick access. Diversified fixed-income for cash to work harder. Your preferences, our execution.

Idle
$400,000 needed for payment
Investment account
Short term
Up to same-day liquidity2
Money market funds
$1,000,000
$2,400,000
Long term
2 day liquidity
Money market funds, US treasuries, investment-grade corporates, CDs
For illustrative purposes only. Not based on actual client portfolio.

Professional investing. Live in minutes.

Diversified fixed income without the high minimums and long onboarding. Quick setup, real-time visibility, full control.

Auto-reinvested. Auto-rebalanced.

Institutional-grade portfolio management with no friction. Your portfolio runs itself to stay optimized.
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.

Give your company a raise

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

One platform > Multiple apps

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

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“I think about Ramp as the platform for anything that touches our cash and our expenses. Having banking, cards and AP in one trusted platform is a massive time save that only compounds over time.”

Neusha Sayadian

Chief Financial Officer at Valence

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.

Find out how

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 Checking 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.