Ramp for mid-market

Your whole finance stack in one place. Faster close. Same team.

Ramp gives mid-market teams accounting automation, procurement, AP, and cards that work as one system. Transactions code themselves, approvals route themselves, and close takes days—not weeks.

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sierra-nevadanotion
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From purchase request to payment in one workflow.

Your team shouldn't have to play detective on every invoice. Ramp connects purchase requests, approvals, and POs to accounts payable—so invoices arrive with full context, not cold.

Requests route to the right approver.

Employees submit what they need. Approvals route by amount, category, or department.

POs generate the moment it's approved.

No manual setup. The purchase order is created and sent to the vendor automatically.

Invoices arrive with context, not questions.

Ramp captures invoice details, matches against the PO, and flags what doesn't line up.

Payments run on your schedule.

Batch by due date, pay weekly, or hold until cash flow allows. Set recurring for repeat vendors.

Month-end close that runs itself.

Ramp codes transactions as they happen, routes exceptions to the right person, and syncs everything to your ERP continuously—so close is a checkpoint, not a starting line.

Up to 3.5x more fully-automated codings than legacy tools.¹

Ramp's Accounting Agent learns how your team codes—across cost centers, departments, and GL accounts. It handles the routine, flags the exceptions, and explains its reasoning so finance can verify instead of rebuild.

Flag what's unusual before your team has to dig.

A vendor charging triple last month's amount. A new line item the system hasn't seen. The Accounting Agent surfaces what deserves a second look—and tells you why.
Built for the ERPs mid-market teams run on.

Native integrations with NetSuite, Sage Intacct, QuickBooks, Xero, and more—with custom GL mapping, multi-entity support, and continuous sync that keeps your books current.

See our integrations

Cards that scale with the team and keep the books intact.

As your team grows, every new cardholder should make the system stronger—not harder to manage. Ramp cards carry spend controls, coding rules, and vendor context from the moment they're issued.

New hire today. Card ready in minutes.

Issue physical or virtual cards instantly. Each one inherits the right spend limits, approval workflows, and GL rules.
New hire today. Card ready in minutes.

One swipe updates procurement, AP, and your books.

Because cards live in the same platform as your POs, invoices, and ERP sync, every transaction flows through one system.
One swipe updates procurement, AP, and your books.

Cashback on every purchase and every card.

Every dollar your team spends across every card puts money back into the business.
Cashback on every purchase and every card.

“Each member of our team has an outsized impact due to our focus on using high-leverage tools like Ramp."

Lauren Feeney | Controller, Perplexity See how Perplexity saved $5M+ with spend controls and cashback
Read the story
“Each member of our team has an outsized impact due to our focus on using high-leverage tools like Ramp."

Get started in three easy steps.

Step 1: Enter your work email. Enter your business email to begin. You'll be prompted to complete an application. Personal email addresses aren't accepted.
Step 2: Provide your business details. We'll ask for basic information: a corporate officer's details, your EIN, formation dates, and business bank account credentials.
Step 3: Get approved. Most businesses are approved within minutes. Your card limit is set based on your linked bank balance or revenue-based underwriting.
Save time and money.

FAQs

As transaction volume, vendors, and approvals grow, it becomes harder to manage spend across disconnected cards, invoices, expense tools, and accounting systems.

Spend management software brings those workflows together, giving finance teams clearer visibility, stronger controls, and less manual reconciliation.

Ramp connects procurement, AP, corporate cards, expenses, and accounting automation in one platform. It helps growing finance teams manage higher transaction volume and more vendors with shared workflows, controls, and ERP syncs—supporting a faster close and cleaner books.

Employees submit requests through custom intake forms, and approvals can route by amount, category, or department. Ramp can generate POs, match invoices to them, code line items, and flag exceptions—connecting requests, purchasing, AP, and payment in one workflow. Learn more about our AI purchasing software.

Yes. Ramp supports automated invoice capture, coding, approvals, PO matching, payment scheduling, and vendor management. Invoices can be submitted by email or upload, then routed for review and paid by ACH, check, or virtual card automatically. Procurement and card context stays connected to the invoice. Learn more about our AP automation software.

Ramp supports physical and virtual cards with configurable spend limits, approval workflows, and coding rules. Dedicated virtual cards can be used for vendors or subscriptions, while card activity flows into the same platform as procurement, AP, and accounting.

Learn more about our corporate credit card.

Ramp's Accounting Agent codes transactions as they happen and learns from your team's corrections. It can flag unusual activity for review and syncs activity to your ERP throughout the month, so teams can focus on exceptions rather than re-creating the full picture at close. Learn more about our accounting automation software.

Employees can submit receipts and expenses through Ramp, which matches receipts to card transactions. Policies can flag or block out-of-policy spend. Out-of-pocket purchases follow an approval and reimbursement workflow, with activity synced alongside cards and bill payments.

Ramp supports 30+ ERPs and complex setups—multi-entity, multi-currency, custom fields, and custom dimensions—so you can scale without manual work or messy reconciliations.

Yes. Ramp supports multi-entity spend management, so teams can manage separate card programs, approval workflows, and accounting needs by entity while maintaining consolidated visibility across the business.

Ramp brings procurement, AP, corporate cards, expenses, vendor management, and accounting automation together. For mid-market teams, that shared system keeps card purchases, PO-backed invoices, and reimbursements connected to common controls, coding rules, and ERP syncs.

Sign up for Ramp today.

Ramp for Mid-Market | Cards, Accounting, & Procurement