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September 22, 2022

Hard lessons Dan Chen of Deltec has learned from working through three recessions

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New York, NY 10010

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© 2026 Ramp Business Corporation. "Ramp" and the Ramp logo are registered trademarks of the company.

California Residents: +1-855-206-7283

The Ramp Visa Corporate Card is issued in the U.S. by Celtic Bank, and to U.S. corporations operating globally by Column N.A., Member FDIC. The Ramp Visa Commercial Card is issued by Sutton Bank, Member FDIC. The Ramp Visa Business Card is issued by Lead Bank, Member FDIC. Each card is issued pursuant to a license from Visa USA Inc.

Ramp cards are issued in Canada by Peoples Trust Company, pursuant to license by *Visa International. Visa Int./Peoples Trust Company, Licensed User.

Ramp cards are issued in the UK by Stripe Payments UK Limited, an electronic money institution authorized by the Financial Conduct Authority (firm reference number: 900461). Ramp cards are issued in the EEA by Stripe Technology Europe Limited, an electronic money institution authorized by the Central Bank of Ireland (firm reference number: C187865). Cards are issued under the Visa card scheme pursuant to a license from Visa Europe Limited.

Visa is a registered trademark of Visa International Service Association. All other trademarks and service marks belong to their respective owners.

Ramp Payments Corporation - NMLS 2371465 Disclosures, Ramp Financing Corporation - NMLS 2431387

Join the 50,000+ businesses simplifying their finances with Ramp.

Email

Ramp Business Corporation
28 West 23rd Street, Floor 2
New York, NY 10010

About us Careers Emerging talent Customers Help center Product releases Ramp Labs API documentation Versus

Products

Corporate cards Expense management Spend management Treasury Travel Reimbursements Procurement Accounts payable Vendor management Approvals Security Trust Bank connections Mobile app Ramp Sheets

Accounting firms Private equity Venture capital Services providers Technology partners

Products

Corporate cards Expense management Spend management Treasury Travel Reimbursements Procurement Accounts payable Vendor management Approvals Security Trust Bank connections Mobile app Ramp Sheets

Solutions

Startups Small business Mid market Enterprise

Platform

Platform overview Accounting automation Intelligence Reporting Savings Integrations Multi-entity Global

Accounting firms Private equity Venture capital Services providers Technology partners

Platform

Platform overview Accounting automation Intelligence Reporting Savings Integrations Multi-entity Global

Free tools and resources

Perks and rewards Find an accountant Find a services partner Savings calculator Mission statement generator Charge finder Per diem calculator Mileage reimbursement calculator Card comparison tool Investor database Expense categorization Vendor directory

Solutions

Startups Small business Mid market Enterprise

Free tools and resources

Perks and rewards Find an accountant Find a services partner Savings calculator Mission statement generator Charge finder Per diem calculator Mileage reimbursement calculator

Join the 50,000+ businesses simplifying their finances with Ramp.

Email

Ramp Business Corporation
28 West 23rd Street, Floor 2
New York, NY 10010

Terms of Service

Editorial Guidelines

Your Privacy Choices

Manage Preferences

© 2026 Ramp Business Corporation. "Ramp" and the Ramp logo are registered trademarks of the company.

California Residents: +1-855-206-7283

The Ramp Visa Corporate Card is issued in the U.S. by Celtic Bank, and to U.S. corporations operating globally by Column N.A., Member FDIC. The Ramp Visa Commercial Card is issued by Sutton Bank, Member FDIC. The Ramp Visa Business Card is issued by Lead Bank, Member FDIC. Each card is issued pursuant to a license from Visa USA Inc.

Ramp cards are issued in Canada by Peoples Trust Company, pursuant to license by *Visa International. Visa Int./Peoples Trust Company, Licensed User.

Ramp cards are issued in the UK by Stripe Payments UK Limited, an electronic money institution authorized by the Financial Conduct Authority (firm reference number: 900461). Ramp cards are issued in the EEA by Stripe Technology Europe Limited, an electronic money institution authorized by the Central Bank of Ireland (firm reference number: C187865). Cards are issued under the Visa card scheme pursuant to a license from Visa Europe Limited.

Visa is a registered trademark of Visa International Service Association. All other trademarks and service marks belong to their respective owners.

*Ramp Business Corporation is a financial technology company and is not a bank. Bank deposit services provided by First Internet Bank of Indiana, Member FDIC.

Securities products and brokerage services are provided by Apex Clearing Corporation, an SEC registered broker dealer, member of FINRA & SIPC. The Investment Account is not a deposit product, not insured by the FDIC, and may lose value.

Ramp Payments Corporation - NMLS 2371465 Disclosures, Ramp Financing Corporation - NMLS 2431387

Join the 50,000+ businesses simplifying their finances with Ramp.

Email

Ramp Business Corporation
28 West 23rd Street, Floor 2
New York, NY 10010

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Investor database

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Vendor directory