---
title: 'Ramp — company profile'
canonical: 'https://feeny.ai/companies/ramp'
type: 'company'
updated: '2026-07-02'
---

# Ramp

> All-in-one AI finance platform: corporate cards, expense management, bill pay, procurement, travel, treasury, and accounting automation.

- **Website:** https://ramp.com
- **Type:** Private (Series F)
- **Headquarters:** New York, NY, USA
- **Founded:** 2019
- **Founders:** Eric Glyman, Karim Atiyeh, Gene Lee
- **Valuation:** $44B
- **Total raised:** $3B+
- **Latest round:** Series F · $750M · 2026
- **Investors:** ICONIQ, GIC, Ontario Teachers' Pension Plan, Founders Fund, Khosla Ventures, Lightspeed Venture Partners, Bessemer Venture Partners, Sequoia, Goldman Sachs Alternatives, D.E. Shaw & Co., Morgan Stanley Investment Management, Insight Partners
- **Business model:** B2B SaaS + fintech (interchange, per-seat software fees, payment and treasury flows)
- **Industries:** Payments
- **Open roles:** 119
- **Profile:** https://feeny.ai/companies/ramp

## What they do

Ramp is an all-in-one finance platform that combines corporate cards, expense management, bill pay, procurement, travel, treasury, and accounting automation, wrapping AI-driven automation around every dollar a company spends to save it time and money.

## Overview

**The finance platform that tripled its valuation in a year**

Ramp started in 2019 with a contrarian pitch for a corporate card: one that makes you spend less, not more. The rewards-and-float model everyone else ran on rewarded volume, so Ramp built the opposite, software that flags waste, kills duplicate subscriptions, and closes the books faster. That inversion turned out to be a wedge into the whole back office.

Eric Glyman, Karim Atiyeh, and Gene Lee had sold their last company, the price-tracking app Paribus, to Capital One before starting this one out of New York. Six years on, Ramp runs corporate cards, expense management, bill pay, procurement, travel, treasury, and accounting automation for more than 70,000 businesses. Investors have noticed: the valuation ran from $16B to $44B in roughly a year, and the whole company is now betting its next chapter on AI agents doing the finance work instead of just flagging it.

## What They Do

**One platform for every dollar a company spends**

Ramp's core promise is simple: pull all of a company's spending into one place, then automate the busywork around it. Cards, expenses, bills, travel, procurement, and banking all live in the same system, which means a transaction is coded, matched to a receipt, checked against policy, and synced to the ERP without anyone touching a spreadsheet.

The company puts hard numbers on the payoff, over $12B saved for customers and 27M+ hours reclaimed. The real product isn't the card, it's the automation wrapped around every dollar that moves through it.

## Problems

**Killing the month-end scramble finance teams dread**

Before Ramp, spend lives in a dozen disconnected systems: one tool for cards, another for reimbursements, a third for AP, receipts wandering off, approvals stalling. Finance turns into what one customer called the "receipt police," chasing paperwork weeks after the money is already gone.

Ramp compresses the distance between a purchase and its record. Controls sit inside the workflow, so policy is enforced at the moment of spend instead of audited after the fact. That kills the month-end scramble, and it lets a five-person team close the books for 15 sites without drowning.

### Problems addressed

- Spend scattered across disconnected tools with no single view
- Month-end scramble chasing receipts and coding transactions after the fact
- Rogue and out-of-policy spend that only surfaces after the money is gone
- Manual invoice entry and slow accounts-payable cycles
- Overlapping software subscriptions and uncontrolled vendor sprawl
- Slow, error-prone month-end close and ERP reconciliation

## Who It's For

**Built for finance teams, from pizza shops to enterprises**

Ramp sells to the people who own the money: CFOs, controllers, heads of finance, FP&A, and the ops leaders who inherit procurement when nobody else will take it. The published tiers map cleanly to company size, a free plan for smaller teams, a paid AI tier for growing ones, and a custom enterprise plan for the complex multi-entity outfits.

The customer list runs wide, from nonprofits like the Boys & Girls Clubs of San Francisco to tech companies like Foursquare. The common thread is a team tired of stitching point solutions together and willing to run everything through one front door.

### Ideal customer profiles

- **CFO / Head of Finance** — Enforcing policy without becoming the receipt police; Real-time visibility into all company spend; Consolidating tools and cutting software cost
- **Controller / Accounting** — Accurate, consistent transaction coding; Faster month-end close and ERP sync; Multi-entity accounting
- **Business Operations / Procurement** — Bringing all spend under management; Approval workflows that scale from one-click to enterprise; Eliminating rogue contracts and surprise renewals

## Products

**Six products that share one ledger**

Ramp isn't a card company that added features, it's a spend platform where every product feeds the same data. Cards generate transactions, expense management codes them, AP pays the bills, procurement gates the purchase before it happens, and accounting automation syncs it all to NetSuite or QuickBooks.

The newer bet is intelligence: AI agents that review expenses, recommend approvals, auto-code line items, and flag savings on their own. Treasury rounds it out, with checking and investment accounts that put idle cash to work at published yields.

## Business Model

**Free to start, $15 a seat for the AI, custom for enterprise**

Ramp makes money on a mix most fintechs can't run: interchange on card spend, a per-seat software fee on its paid tiers, and a cut of the payment and treasury flows moving through the platform. The free plan is a real product, not a trial, which is how Ramp gets in the door before upselling automation.

The paid line is clear. Plus is $15 per user per month plus a platform fee that scales with team size, and it unlocks the AI-driven coding, approvals, and multi-entity support. Enterprise is custom, with the white-glove implementation and global currency features large finance orgs need.

### Plans

Ramp runs a freemium model layered on fintech economics. The Free plan is a real product, not a trial, funded by card interchange, which gets Ramp in the door. Revenue comes from a per-seat software fee on paid tiers plus payment and treasury flows. Plus is $15 per user per month plus a platform fee that scales with team size (20% off with annual billing); Enterprise is custom and annual-only.

- **Free** — $0/mo/user · Smaller teams who want to simplify finances
  Full spend platform funded by interchange, no software fee
  - Unlimited physical and virtual corporate cards with issuing controls
  - Complete expenses via SMS or Slack, auto-receipt collection and matching
  - Book flights, hotels, and car rentals with custom travel policy
  - Automated invoice extraction (OCR), approval workflows, and fraud checks
  - Pay bills by ACH, card, check, and wire
  - Treasury: earn up to 4.2% in an investment account, 2% in an FDIC-insured account
  - QuickBooks Online and Xero integrations, basic accounting rules
  - Automated vendor tracking, contract extraction, and price intelligence
- **Plus** — $15/mo/user + platform fee based on team size · Teams who want AI-driven automation to eliminate busywork
  Adds the AI layer: auto-coding, approval recommendations, multi-entity
  - AI-driven expense reviews and policy insights, auto-lock cards on non-compliance
  - Auto-coded line items and AI-driven approval recommendations from the AP agent
  - Automated batch payments and payment release approvals
  - NetSuite, Sage Intacct, and more ERP integrations with AI coding for every field
  - Multi-entity support and multi-entity visibility restrictions
  - Auto tax capture and coding for global coverage
  - Custom user roles and audit log
  - 24/7 phone support for travel bookings
- **Enterprise** — Custom · Teams who need full customization
  White-glove implementation plus global and custom-workflow features
  - Workday, Oracle Fusion Cloud, and more ERP integrations
  - Locally funded reimbursements and local-currency card payments
  - Local currency card issuing in 30+ countries
  - Dedicated account and customer success manager, priority 24/7 global support
  - Custom implementation scoping, integration setup, and validation testing
  - Employee training and change management
  - Custom development, ERP extensions, and advanced org/role/entity configuration

Good to know: Free plan carries no software fee, monetized through card interchange; Plus platform fee scales with team size, on top of the $15/user/mo seat price; Save 20% with annual billing on Plus; Enterprise is annual billing only and priced via contact sales; Procurement is an add-on to Plus or Enterprise, not a standalone tier; 1099 filing costs $0.65 per IRS filing; state filing is free

## Competition

**The all-in-one bet against Brex, Coupa, and Concur**

Ramp's pitch against rivals is consolidation. Where Brex leans banking-first and legacy tools like Coupa, Zip, and SAP Concur each own a slice of procurement or expense, Ramp's edge is that intake, cards, AP, and expense sit in one system a whole company will actually use. One customer switched off a 20-page Coupa onboarding manual for Ramp's one-page guide and hit near-total adoption.

The strategic wager now is AI. Ramp is pushing agents deeper into the finance stack, and its investors are funding that story hard. The risk is the same as the strength: an all-in-one only wins if every module stays best-in-class as it sprawls.

### Their edge

- **One platform, real adoption** — Intake, cards, AP, and expense in a single system employees use without training; one customer replaced a 20-page Coupa manual with a one-page Ramp guide and hit near-total adoption.
- **Spend-reducing by design** — Ramp's model rewards cutting waste and consolidating vendors rather than driving card volume, the opposite incentive of legacy card issuers.
- **AI-native automation** — Agents auto-code line items, recommend approvals, run vendor compliance reviews, and flag savings across the stack, not a single add-on feature.

### Where they're betting

- Pushing AI agents deeper into end-to-end finance workflows
- Expanding treasury and embedded financial services
- Global spend management: 30+ countries for card issuing, multi-currency payments

## Proof

**The numbers Ramp puts on the table**

Ramp likes to lead with results, and the customer stories back it up. Foursquare cut procurement cycles in half, eliminated rogue contracts, and got a one-person ops team handling twice the volume. The Boys & Girls Clubs of San Francisco saved over $293K and reclaimed 25 hours a month, part of 18,000+ hours returned across 80+ clubs now on the platform.

Zoom out and the aggregate claims are $12B+ saved for customers and 27M+ hours reclaimed across 70,000+ businesses. The company reports it crossed $1B in annualized revenue in 2025 and has reached positive free cash flow, rare for a startup growing this fast.

## What People Say

**Loved for the product, dinged on support and credit lines**

Daily users are genuinely fond of Ramp. The recurring praise is ease of use, a strong mobile app, automatic receipt matching, and fast card issuance, and it shows up consistently across review sites where Ramp rates near the top of its category.

The complaints cluster too. Getting a human on the phone is the most common gripe, since support leans on email and chat that falls short for urgent issues. Some customers, nonprofits especially, have been surprised by credit-line restrictions they assumed were fixed, and a few call the rewards a moving target. Great software, thinner service.

## Funding

**$44B and climbing, on the strength of an AI story**

Ramp has raised north of $3B, and the recent pace is the headline. The valuation went from $16B in June 2025 to $22.5B weeks later, to $32B that November, to $44B by June 2026, a near-triple in about a year as investors chased AI-first fintech.

The latest round, a $750M Series F, was led by ICONIQ, GIC, and Ontario Teachers' Pension Plan, with Founders Fund, Khosla, Lightspeed, and a long list of institutional backers behind it. It helps that the growth is real: over $1B in annualized revenue and positive free cash flow give the valuation something to stand on.

## Team & Culture

**A speed-obsessed meritocracy that ships**

Ramp runs on a few loud values, grow without fear, amp it up, win when customers win, and a self-described meritocracy where titles matter less than what you ship. The company likes to say it grows faster than the median public SaaS company, and the internal culture is built to match: high ownership, fast iteration, and a bias toward shipping the simple thing that works.

Engineering is unusually AI-forward for its own work. Job posts name Cursor and Claude Code as default tools, unlimited AI token usage is a listed benefit, and teams are explicitly building agentic workflows into their own tooling. The perks are generous and detailed by region, from a $10,000 fertility HRA to 16 weeks of parental leave at full pay.

## Compensation

**Strong New York base pay, with equity on top**

Ramp discloses pay on many of its US roles, and the bands run high, reflecting a New York headquarters and a heavy engineering bench. Engineering ranges from roughly $137K to $440K, with product, design, and senior operations roles reaching into the mid-six figures.

The salary figures are base only. Ramp lists competitive salary plus equity across roles, so total compensation for most hires includes stock on top of these numbers. Bands are quoted in USD, with a handful of roles in CAD and GBP for the Canada and UK offices.

## Security & Legal

**A fintech that partners its way to a bank charter**

The legal fine print tells you Ramp is a technology company, not a bank. Cards are issued by partners like Celtic Bank, Sutton Bank, and Lead Bank in the US, with Stripe-backed entities handling the UK and EEA, and deposits sit with FDIC-member banks. The registered entity is Ramp Business Corporation at 28 West 23rd Street, Floor 2, New York.

The treasury and investment products carry the usual securities disclosures, managed through Moment Advisors and cleared via Apex, which means the yield is real but the money isn't FDIC-insured the way a checking balance is. It's a carefully partnered stack, standard for a fintech operating at this scale across borders.

## In the News

**A fixture on the disruptor lists**

Ramp shows up wherever the press ranks fast-growing companies, CNBC's Disruptor 50, Newsweek's Greatest Startup Workplaces, and Fast Company's most innovative lists. The funding coverage has been near-constant through 2025 and 2026 as each round reset the valuation higher.

One of the odder headlines: Ramp signed Eagles running back Saquon Barkley as an investor and Super Bowl commercial star, a sign of how far the brand is reaching beyond finance departments.

### Coverage

- [Ramp raises $750M at $44B valuation as investors hunger for fintechs with an AI story](https://techcrunch.com/2026/06/04/ramp-raises-750m-at-44b-valuation-as-investors-hunger-for-fintechs-with-an-ai-story/) — TechCrunch (2026-06-04)
- [Ramp Raises Series F at $44 Billion Valuation](https://www.prnewswire.com/news-releases/ramp-raises-series-f-at-44-billion-valuation-302791103.html) — PR Newswire (2026-06-04)
- [Ramp hits $32B valuation, just three months after hitting $22.5B](https://techcrunch.com/2025/11/17/ramp-hits-32b-valuation-just-three-months-after-hitting-22-5b/) — TechCrunch (2025-11-17)
- [Fintech Ramp Now Valued At $32B After $300M Raise Led By Lightspeed](https://news.crunchbase.com/venture/fintech-unicorn-ramp-300m-raise-lightspeed/) — Crunchbase News (2025-11-17)
- [Ramp: 2025 CNBC Disruptor 50](https://www.cnbc.com/2025/06/10/ramp-cnbc-disruptor-50.html) — CNBC (2025-06-10)
- [Ramp founder Eric Glyman: How I built a $22.5 billion startup in 2,367 days](https://fortune.com/article/ramp-founder-eric-glyman-titans-and-disruptors/) — Fortune (2025-08-01)

## Outlook

**Betting the next chapter on agents that do the work**

Ramp's whole trajectory points one direction: from software that flags waste to agents that act on it. The company is pushing AI deeper into every module, auto-coding, approval recommendations, vendor compliance reviews, bill negotiation, and framing the finance team's future as supervising agents rather than doing the data entry.

The upside is obvious if it works, since automating the back office is a huge market and Ramp already owns the data. The pressure is the valuation. A $44B price and $1B in revenue set a bar the company now has to keep clearing, and the all-in-one strategy only holds if the AI actually lands.

## Company details

- **Mission:** Setting finance free to build healthier businesses.
- **Products:** Corporate Cards, Expense Management, Accounts Payable, Procurement, Travel, Treasury / Business Banking, Accounting Automation, AI Agents / Intelligence
- **Notable customers:** Foursquare, Boys & Girls Clubs of San Francisco, Shopify
- **Customer segments:** Startups, SMB, Mid-market, Enterprise, Nonprofits, Financial services
- **Buyers / users:** CFO, Controller, Head of Finance, FP&A teams, Business Operations / Procurement leaders, Accountants
- **Competitors:** Brex, SAP Concur, Coupa, Zip, Bill.com, Airbase, Expensify
- **What sets them apart:** All-in-one platform (cards, expenses, AP, procurement, travel, treasury, accounting) instead of point solutions; Software designed to reduce spend, not maximize card volume; Deep AI/agent automation built into every module, not bolted on; A free tier that is a full product, funded by interchange; Fast, training-free adoption (one-page guide vs. rivals' lengthy onboarding)
- **Tech stack:** QuickBooks, Xero, NetSuite, Sage Intacct, Workday, Oracle Fusion Cloud, Slack, Visa
- **Integrations:** QuickBooks Online, Xero, NetSuite, Sage Intacct, Workday, Oracle Fusion Cloud, Slack

## Open roles (119)

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_…and 69 more at https://feeny.ai/companies/ramp/jobs_

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_Source: https://feeny.ai/companies/ramp · profile updated 2026-07-02_