Ramp for small businesses

Stop stitching together five tools to run your finances.

Ramp gives small businesses corporate cards, invoice processing, receipt capture, and real-time accounting sync in a single platform. No manual entry. No wasted hours.

A card that works for your small business.

Most small business cards put your personal credit on the line. Ramp gives you spending power, controls, and cashback—no personal guarantee.

Your business gets the credit. You keep yours.

Ramp underwrites your business based on its financial health—not your personal credit score.

Set the rules before the money moves.

Limit spend by employee, vendor, or category. Lock cards to specific merchants automatically.

Every dollar spent is money back in the business.

Cashback hits your account automatically and offsets real operating costs.

Stop paying bills by hand.

Small teams shouldn't spend half their week keying in invoices and chasing approvals. Ramp handles invoice capture, approvals, and payments—then syncs everything to your books automatically.

Forward an invoice. Ramp does the rest.

Forward a vendor invoice to Ramp and it extracts the details, codes the line items, and routes it for approval. Invoices that match your rules get processed without anyone lifting a finger.

Pay vendors on your terms.

Schedule payments by due date or batch them weekly—Ramp gives you full control over when money leaves your account. Set up recurring payments for repeat vendors and never miss a due date again.
Pay vendors on your terms.

Your books, always up to date.

Every card swipe, receipt, and bill payment syncs to QuickBooks, Xero, or NetSuite automatically with custom mapping rules. Month-end close goes from weeks to days.

See our integrations

Every receipt, captured. Every dollar, tracked.

No more chasing receipts at month-end. Ramp captures every expense in real time, matches it to the right transaction, and syncs it to your accounting software—so your books close themselves.

Snap a receipt. That's it.

Employees photograph a receipt on their phone and Ramp reads it automatically—merchant, amount, category, all matched to the right transaction.
Snap a receipt. That's it.

See every dollar the moment it's spent.

Get a real-time view of who's spending what, where, and whether it's on policy. No waiting until month-end to find out your team blew the software budget.
See every dollar the moment it's spent.

Reimburse employees in days, not weeks.

Out-of-pocket purchases get submitted, reviewed, approved, and reimbursed through one continuous workflow.
Reimburse employees in days, not weeks.

“Closing the books with Ramp is effortless. Now, most of our expenses, payments, and accounting are all accurate and integrated within one platform.”

Irish Rose
Financial Controller, Eight Sleep

eight-sleep

Get started in three easy steps.

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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.
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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.
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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

Ramp is an all-in-one finance platform that replaces the patchwork of disconnected tools most small businesses outgrow. Instead of managing a separate card provider, bill pay app, expense tracker, and accounting sync, small businesses use Ramp to run it all from one place:

  • Business credit cards with built-in spending controls, no personal guarantee, and cashback on every purchase
  • Accounts payable software that captures invoices, routes approvals, and schedules payments automatically
  • Expense and receipt capture that matches receipts to transactions in real time and syncs everything to your books

The result is fewer tools, less manual work, and full visibility into where every dollar is going.

Most small business credit cards require a personal guarantee—meaning the owner's personal credit and finances are on the line. Ramp doesn't. Your card is backed by your business's financial health, not your credit score, so your personal finances stay protected.

Beyond that, Ramp's business credit card comes with built-in spending controls by employee, team, or vendor, cashback on every purchase, and no annual fee or interest charges. It's a corporate card with expense management built in—not just a way to pay.

Yes. Ramp's accounts payable software eliminates the manual data entry that eats up small finance teams. Forward an invoice by email and Ramp extracts the details, codes line items, and routes it for approval. Approved invoices get scheduled for payment automatically—by due date, in batches, or on your own timeline. Everything syncs to your accounting software in real time, so there's no double entry and no end-of-month scramble.

Ramp captures expenses at the point of purchase. Employees snap a photo of their receipt on their phone and Ramp matches it to the transaction automatically—no manual expense reports, no missing documentation. Spending controls enforce your policies before purchases happen, and reimbursements for out-of-pocket costs process through one workflow. You get a real-time view of all spending across cards, bills, and reimbursements without waiting for month-end.

Yes. Ramp has built-in integrations with QuickBooks, Xero, NetSuite, Sage Intacct, and more. Every transaction—card purchases, bill payments, reimbursements—syncs automatically to your accounting software. You can set custom mapping rules and GL coding so entries land in the right accounts without manual data entry. Most small businesses that switch to Ramp cut their month-end close to just a few days.

Ramp reports on-time payments to the credit bureau Dun & Bradstreet, helping your business establish and strengthen its credit profile over time. Responsible use of your Ramp card—like staying on budget and paying in full each month—is encouraged to signal creditworthiness.

Ramp doesn't require a personal credit check or personal guarantee. Instead, approval is based on your business's financial health—things like your company's bank balance and revenue. You'll need an EIN and other basic business credentials. That means even newer businesses with limited personal credit history can qualify, as long as the business itself is financially sound. Most applications are reviewed and approved within minutes.

Most small businesses hit a wall as headcount and transaction volume grow. Receipts pile up in desk drawers, reimbursements take weeks, invoices get keyed in twice, and month-end close turns into a multi-week project. If you're juggling a separate card provider, bill pay tool, expense tracker, and accounting software—and manually passing data between them—you're spending hours on work that should take minutes. An integrated platform like Ramp eliminates the gaps between those tools so nothing gets lost, duplicated, or entered by hand. The earlier you consolidate, the less cleanup you inherit later.