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description: Ramp for startups combines AI-powered banking, business credit cards, and bill pay. Earn high-yield returns and unlock $350K+ in startup perks.
og:description: Ramp for startups combines AI-powered banking, business credit cards, and bill pay. Earn high-yield returns and unlock $350K+ in startup perks.
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og:site_name: Ramp
og:title: Ramp for Startups | Banking, Cards & AI Finance
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[content]
Ramp for Startups | Banking, Cards & AI Finance
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Back
Ramp Finance 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.
Email
Get started
*
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.
†
Investment account with 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.
Built for building, not busywork
Every dollar should work as hard as you do.
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.
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 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
play_circle_filled
Watch customer video
"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.
Target up to
-.--%
YTM
2
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
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
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.
timer
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.
assured_workload
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.
FAQs
What is spend management software?
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.
How does Ramp help reduce unnecessary spending?
Ramp reduces unnecessary spending for startups by pairing proactive spend controls with automated finance operations. Card limits, blocked out-of-policy merchants, and automated receipt matching stop wasteful spend before it happens and eliminate manual month-end reconciliations. Everything, cards, reimbursements, and bill payments, lives in one platform, so there's no need for extra tools. Its Policy Agent reviews every expense in real time, approving what's compliant and flagging what needs attention, and early customers are catching 3x more out-of-policy spend.
What makes Ramp different from other spend management tools for startups?
Ramp brings every part of company spend into one platform, from startup
business credit 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.
Can different departments manage their own budgets in Ramp?
Yes. Ramp lets you set budgets and approval flows by department, project, or vendor, so managers get autonomy while finance maintains oversight.
Does Ramp support spend management for global or distributed teams?
Yes. Ramp supports international vendors, multi-currency transactions, and unified reporting so global teams can manage company spend seamlessly from one platform.
Can Ramp adapt to our existing approval process?
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.
Can my startup issue corporate cards to every employee?
Ramp's business credit card
lets you issue physical or virtual cards to every employee, each with its own spend limit and merchant controls, so teams can spend what they need without waiting on manual approvals, while finance keeps full visibility.
Stop managing finances. Start building
Email
Get started
About us
Careers
Emerging talent
Customers
Help center
Product releases
Ramp for Agents
Ramp Labs
API documentation
Versus
Products
Products
Corporate cards
Expense management
Spend management
Budgets
Banking
Travel
Reimbursements
Procurement
Accounts payable
Vendor management
Approvals
Security
Trust
Bank connections
Mobile app
Ramp Sheets
Partners
Partners
Accounting firms
Private equity
Venture capital
System integrators
Technology partners
Spend and payroll partners
Reseller partners
Franchise partners
Products
Products
Corporate cards
Expense management
Spend management
Budgets
Banking
Travel
Reimbursements
Procurement
Accounts payable
Vendor management
Approvals
Security
Trust
Bank connections
Mobile app
Ramp Sheets
Solutions
Solutions
Startups
Small business
Mid market
Enterprise
Platform
Platform
Platform overview
Accounting automation
Intelligence
Reporting
Savings
Integrations
Multi-entity
Global
AI Token Spend Management
Partners
Partners
Accounting firms
Private equity
Venture capital
System integrators
Technology partners
Spend and payroll partners
Reseller partners
Franchise partners
Platform
Platform
Platform overview
Accounting automation
Intelligence
Reporting
Savings
Integrations
Multi-entity
Global
AI Token Spend Management
Free tools and resources
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
Expense policy builder
Vendor directory
Virtual cards
Answers Hub
Solutions
Solutions
Startups
Small business
Mid market
Enterprise
Free tools and resources
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
Expense policy builder
Vendor directory
Virtual cards
Answers Hub
Join the
70,000
+ businesses
simplifying their finances with Ramp.
Email
Get started for free
LinkedIn
X
Facebook
Ramp Business Corporation
28 West 23rd Street, Floor 2
New York, NY 10010
Terms of Service
Editorial Guidelines
Privacy Policy
Your Privacy Choices
©
2026
Ramp Business Corporation. "Ramp" and the Ramp logo are registered trademarks of the company.
Ramp Support: +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, and is subject to credit approval. 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.
†
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.
1.
Annual Percentage Yield (APY) on eligible funds in your Ramp Checking Account. Interest is paid by First Internet Bank of Indiana, Member FDIC. Rate is accurate as of
07/27/2026
. The Interest rate and APY are variable and subject to change without notice. See the
Checking Account Addendum
for more information.
2.
Investment Account yield information provided refers to the 1-day SEC yield for mutual funds and the market-value-weighted yield to maturity (YTM) for fixed income securities. “Yield to maturity” (YTM) is a portfolio characteristic shown as of
07/27/2026
, assuming a sample investment of $10M. It is a market-value-weighted average of security-level YTMs based on current market prices and stated cash flows, assuming securities are held to maturity, all coupons are paid when due, and coupons are reinvested at the YTM rate. YTM does not reflect advisory fees, fund or portfolio expenses, transaction costs, leverage or financing costs, defaults, downgrades, or calls/prepayments, and it may exclude cash and cash equivalents. YTM is hypothetical and is not the actual return of any portfolio over any period. It is not a prediction, target, objective, or guarantee of future performance. Actual investor returns will differ, including due to fees and expenses, trading activity, credit events, calls/prepayments, and changes in reinvestment rates. For additional information about individual portfolios, see the
investment disclosure
. Important information about the mutual fund options and a copy of each fund’s prospectus are available
here
. Average yields shown are dollar-weighted based on a flat numerical rating scale, are not a guarantee of future performance, and are provided for informational purposes only.
Ramp Payments Corporation - NMLS 2371465
Disclosures
, Ramp Financing Corporation - NMLS 2431387
Join the
70,000
+ businesses
simplifying their finances with Ramp.
Email
Get started for free
Ramp Business Corporation
28 West 23rd Street, Floor 2
New York, NY 10010
LinkedIn
X
Facebook
Sign in
Ramp Finance 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.
Email
Get started
Email
Get started
About us
Careers
Emerging talent
Customers
Help center
Product releases
Ramp for Agents
Ramp Labs
API documentation
Versus
Products
Products
Corporate cards
Expense management
Spend management
Budgets
Banking
Travel
Reimbursements
Procurement
Accounts payable
Vendor management
Approvals
Security
Trust
Bank connections
Mobile app
Ramp Sheets
Partners
Partners
Accounting firms
Private equity
Venture capital
System integrators
Technology partners
Spend and payroll partners
Reseller partners
Franchise partners
Products
Products
Corporate cards
Expense management
Spend management
Budgets
Banking
Travel
Reimbursements
Procurement
Accounts payable
Vendor management
Approvals
Security
Trust
Bank connections
Mobile app
Ramp Sheets
Solutions
Solutions
Startups
Small business
Mid market
Enterprise
Platform
Platform
Platform overview
Accounting automation
Intelligence
Reporting
Savings
Integrations
Multi-entity
Global
AI Token Spend Management
Partners
Partners
Accounting firms
Private equity
Venture capital
System integrators
Technology partners
Spend and payroll partners
Reseller partners
Franchise partners
Platform
Platform
Platform overview
Accounting automation
Intelligence
Reporting
Savings
Integrations
Multi-entity
Global
AI Token Spend Management
Free tools and resources
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
Expense policy builder
Vendor directory
Virtual cards
Answers Hub
Solutions
Solutions
Startups
Small business
Mid market
Enterprise
Free tools and resources
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
Expense policy builder
Vendor directory
Virtual cards
Answers Hub
Join the
70,000
+ businesses
simplifying their finances with Ramp.
Email
Get started for free
LinkedIn
X
Facebook
Ramp Business Corporation
28 West 23rd Street, Floor 2
New York, NY 10010
Terms of Service
Editorial Guidelines
Privacy Policy
Your Privacy Choices
Manage Preferences
©
2026
Ramp Business Corporation. "Ramp" and the Ramp logo are registered trademarks of the company.
Ramp Support: +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, and is subject to credit approval. 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.
†
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.
1.
Annual Percentage Yield (APY) on eligible funds in your Ramp Checking Account. Interest is paid by First Internet Bank of Indiana, Member FDIC. Rate is accurate as of
07/27/2026
. The Interest rate and APY are variable and subject to change without notice. See the
Checking Account Addendum
for more information.
2.
Investment Account yield information provided refers to the 1-day SEC yield for mutual funds and the market-value-weighted yield to maturity (YTM) for fixed income securities. “Yield to maturity” (YTM) is a portfolio characteristic shown as of
07/27/2026
, assuming a sample investment of $10M. It is a market-value-weighted average of security-level YTMs based on current market prices and stated cash flows, assuming securities are held to maturity, all coupons are paid when due, and coupons are reinvested at the YTM rate. YTM does not reflect advisory fees, fund or portfolio expenses, transaction costs, leverage or financing costs, defaults, downgrades, or calls/prepayments, and it may exclude cash and cash equivalents. YTM is hypothetical and is not the actual return of any portfolio over any period. It is not a prediction, target, objective, or guarantee of future performance. Actual investor returns will differ, including due to fees and expenses, trading activity, credit events, calls/prepayments, and changes in reinvestment rates. For additional information about individual portfolios, see the
investment disclosure
. Important information about the mutual fund options and a copy of each fund’s prospectus are available
here
. Average yields shown are dollar-weighted based on a flat numerical rating scale, are not a guarantee of future performance, and are provided for informational purposes only.
Ramp Payments Corporation - NMLS 2371465
Disclosures
, Ramp Financing Corporation - NMLS 2431387
Join the
70,000
+ businesses
simplifying their finances with Ramp.
Email
Get started for free
Ramp Business Corporation
28 West 23rd Street, Floor 2
New York, NY 10010
LinkedIn
X
Facebook
2%
2%
4.27%
4.27%
4.27%
4.27%
