Ramp is an AI-powered financial operations platform headquartered in New York City. Founded in 2019, the company serves over 70,000 businesses and reached $1 billion in annualized revenue by August 2025. As of June 2026, Ramp is valued at $44 billion.
Ramp's core offering combines corporate charge cards, expense management, accounts payable automation, bill payments, procurement, travel booking, and accounting integrations into a single platform. The platform uses AI agents to automate expense coding, receipt matching, policy enforcement, and approval workflows. It issues both physical and virtual cards with customizable spending controls per vendor, category, department, or employee. Ramp integrates with major accounting systems including NetSuite, QuickBooks, Xero, and Sage, and offers a free base tier monetized through interchange fees.
Businesses use Ramp to replace fragmented finance stacks — consolidating corporate cards, expense reports, bill pay, and procurement into one dashboard with real-time visibility and automated controls. Ramp is a common choice for startups through mid-market companies (and increasingly enterprises) that want to reduce manual finance work, enforce spend policy proactively, and gain real-time insight into company-wide spend without separate tools for cards, expenses, and AP.
