Ramp for Startups

Put your runway to work

AI-powered banking and treasury, corporate cards, and bill payments. Earn -.--%1 APY on operating cash in a business account*. Pair with an investment account† to target up to -.--%2 YTM.

Put your runway to work

*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.

†Portfolios managed by Moment Advisors, LLC. Investing involves risk, including possible loss of principal. Asset allocation does not guarantee profit or protect against loss. Past performance does not guarantee future results. Additional information can be found here. Securities products offered by Apex Clearing Corporation, member FINRA, SIPC. The Investment Account is not insured by the FDIC, not a deposit product, and may lose value.

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Built for building, not busywork

Every dollar should work as hard as you do.

Your money, working harder

Banking and treasury

Your money, working harder

Open and manage your first bank account through Ramp. Earn up to 2%1 APY on your business account*. Pair it with an investment account†for up to -.--%2 YTM.
Never chase another receipt

Corporate cards & expenses

Never chase another receipt

Set AI-powered rules for vendors, categories, and spend limits. Ramp's AI captures receipts, fills in memos, and auto-categorizes spend.
A month of AP done in minutes

Bill payments & procurement

A month of AP done in minutes

Process bills, auto-code OCR, and manage cash flow 2.4x faster than legacy software. Pay any vendor, anywhere in the world, by card, ACH, or wire.

More than half of the companies in the Forbes AI 50 run on Ramp

“People ask how we're using AI in finance, and I have a simple answer for them. We use Ramp.”

Rama Katkar

CFO, Notion

Rama Katkar of Notion
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"Most finance tools feel like they were built by people who never worked at a high-velocity startup. Ramp is elite, ships fast, and understands velocity."
Michael Truell
CEO, Cursor
"Ramp's AI automates work that used to slow us down. We now have more time to build great product and grow the business."
Bret Taylor
Co-Founder & CEO, Sierra
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"Our corporate policy for expenses is very simple. We can watch everything you buy with a Ramp card with AI, and it's awesome."
Daniel Barcelo
Founder & CEO, T1 Energy

Higher yields, faster velocity.

Ramp's AI drives time and money savings across your teams so you can focus on building.

Target up to

-.--% YTM2

on investment account†

Get back

3.5 hrs

of employee productivity a month

Save

5%

on average across your business

Unlock velocity and reduce burn. Get exclusive access to VCs and $350K in perks.

Join an exclusive community

Join an exclusive community

We partner with leading VCs, accelerators, and founder communities so you'll be supported day one to IPO. If your accelerator is a Ramp partner, you may already be pre-qualified.
Extend your runway

Extend your runway

Get access to $350K+ in perks, including credits and discounts to help you scale. Perks partners like AWS, Datadog, Notion, OpenAI, Google Cloud, and Retool help boost your team's velocity.

Get started in three steps

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Step 1: Apply in 2 minutes
Fill out your application. Application review and approval may take 1-2 business days for a decision. If you don't have a bank account, open one with us.
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Step 2: Set up your accounts
Open business and investment accounts, or connect your existing bank. Issue cards, deposit funds, and set spend policies.
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Step 3: Turn on your AI finance team
Start automating your finance workflows so you can get back to the work that matters.

FAQs

Spend management software helps businesses track, control, and analyze company spending in one place. It automates expense tracking, enforces budgets, and provides real-time visibility so finance teams can manage spend proactively instead of reactively.

Ramp reduces waste by consolidating cards, reimbursements, and bill payments into one platform, eliminating the need for extra tools. Its Policy Agent reviews every expense in real time, approving what is compliant and flagging what needs attention. Early customers are catching 3x more out-of-policy spend.

Ramp brings every part of company spend into one platform, from corporate cards and expense management to bill payments, travel, and reimbursements. Finance teams get real-time visibility across all spend and can manage everything from a single platform.

Yes. Ramp lets you set budgets and approval flows by department, project, or vendor, so managers get autonomy while finance maintains oversight.

Yes. Ramp supports international vendors, multi-currency transactions, and unified reporting so global teams can manage company spend seamlessly from one platform.

Yes. Ramp's approval workflows are fully customizable, so you can mirror your current structure or build something more efficient. Approvals happen automatically through the platform, keeping every purchase compliant without slowing teams down.

Stop managing finances. Start building