Ramp for Startups
Business cards for startups
AI-powered banking and treasury, corporate cards, and bill payments. Earn 2%1 APY on operating cash in a business account*. Pair with an investment account† to target up to 4.24%2 YTM.
Built for building, not busywork
Every dollar should work as hard as you do.
Banking and Treasury
Your money, working harder
Open your first bank account with Ramp. Earn up to 2% APY on your business account and a 4.24%2 yield on investments.
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.
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 AI50 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
"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
"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.
Up to
4.24% YTM2
on investment accounts
Get back
3.5 hrs
of employee productivity a month
Save
5%
on every transaction
Streamline your financial processes with a single platform to manage business spend
Control spend, automate accounting, and manage vendors together in one place to save even more time and money.
Join an exclusive community
We partner with leading VCs, accelerators, and founder communities so you'll be supported from day one to IPO. If your accelerator is a Ramp partner, you may already be pre-qualified.
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.
speed
Step 3: Turn on your AI finance team
Start automating your finance workflows so you can get back to the work that matters.
Time is money. Save both.
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’s 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, multicurrency 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.