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Ramp company logo


Founded Year



Debt - II | Alive

Total Raised




Last Raised

$550M | 1 yr ago

About Ramp

Ramp offers credit cards for small and medium-sized businesses (SMBs). It provides companies with higher card limits, saving opportunities, automated expense management, receipt matching, and accounting integration. The company caters its services to startups, enterprises, and other entities. It was founded in 2019 and is based in New York, New York.

Headquarters Location

71 5th Avenue 6th Floor

New York, New York, 10003,

United States


ESPs containing Ramp

The ESP matrix leverages data and analyst insight to identify and rank leading companies in a given technology landscape.

Financial Services / Payments Tech

The expense management software market focuses on software solutions specifically designed to streamline and automate the management of employee expenses within an organization. These solutions aim to simplify the process of submitting, approving, and reimbursing expenses, while also providing tools for expense tracking, policy enforcement, and reporting. The market consists of software providers …

Ramp named as Leader among 15 other companies, including Brex, Tide, and FreshBooks.

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Ramp's Products & Differentiators

    Ramp Card

    Smart corporate cards - both physical and virtual - with embedded software controls.

Expert Collections containing Ramp

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

Ramp is included in 6 Expert Collections, including Banking.



881 items


Unicorns- Billion Dollar Startups

1,215 items


SMB Fintech

2,001 items



2,672 items

Companies and startups in this collection enable consumers, businesses, and governments to pay each other - online and at the physical point-of-sale.



7,985 items

US-based companies


Fintech 250

499 items

250 of the top fintech companies transforming financial services

Latest Ramp News

Fintech Ramp Surfs Dollar Wave By Helping U.S. Companies Duck For Cover In International Markets

Oct 25, 2022

Got it! Got it! Courtesy of Ramp W ith investors bracing for a global recession, three-year-old fintech Ramp is making the case that its cross-border expansion could give U.S. businesses the opportunity to operate more profitably. Announced on Tuesday, the New York City-based corporate credit card firm has launched international bill payments, buy-now pay-later financing and employee reimbursements across 176 countries and 83 currencies. The move comes as the U.S. dollar extends its monster rally, skyrocketing nearly 20% over the past year to a two-decade high, according to the closely tracked Dollar Index. Historically, such greenback strength has been a harbinger of global recession—spelling trouble for foreign economies and U.S. companies with significant revenue abroad—but Ramp is focusing on the silver lining. "Over the past quarter, people have really started to talk about what this means for the global economy, and it's actually a bright spot for many business owners facing a lot of headwinds—whether it's increased interest rates or the tight labor market," says Eric Glyman, Ramp's 32-year-old CEO. The dollar's strength, he notes, has been "driving a huge spike" in businesses that are offshoring costs to protect profits and is particularly good for companies manufacturing goods or employing people internationally. Non-U.S. spending from Ramp clients has climbed nearly sixfold year over year and eclipsed more than $100 million last month alone. The company is gearing up for bigger numbers: The number of cards shipped abroad has ballooned 6,000% from last year. With its international play, Ramp customers—all based in the United States—can now pay vendors in foreign currencies within minutes or reimburse employees in two days or less for out-of-pocket expenses overseas. The company joins competitors like, which launched cross-border payments in 2019 and has since expanded the service to 130 countries, as well as corporate card giant American Express , which announced a similar digital-first feature in August. However, Ramp's offering also integrates the cross-border payments with its flagship spending-management platform, which uses machine-learning technology to analyze expenses and recommend cost-cutting moves. As part of the launch, Ramp has partnered with NetSuite to offer sales-tax support, including automatically telling clients when they may be liable for tax remittances or eligible for rebates on foreign transactions. Among Ramp clients, New York City-based health-tech startup Candid has reaped the benefits of a strong dollar by expanding its overseas labor and production footprint. The company, which raised $160 million from investors in November, makes teeth-straightening aligners akin to Invisalign and last month opened a 83,000-square-foot factory in the border city of Tijuana, Mexico. "We're one of those companies that doesn't have a ton of international exposure from a revenue standpoint, but we have a ton of international exposure from a cost standpoint," says CEO Nick Greenfield, citing lower costs for transportation and manufacturing. He adds that Ramp's algorithmic recommendations have helped generate about $15,000 in monthly savings by identifying things like duplicate software licenses and subscriptions. Rising foreign-business outlays on Ramp have been biggest in freight services, with spending on major providers like Maersk and FedEx Freight climbing more than six times this year from 2021 levels. Spending on international shipping providers has grown more than 300%. Ramp says customers are increasingly tapping into global freelancer marketplaces such as Upwork and Toptal, on which transactions have jumped fourfold this year. The push helps expand Ramp's reach in the $120 trillion payments market as many fintechs struggle. The Global X FinTech ETF, which counts payments companies Block and Adyen among its biggest components, has cratered 49% this year, compared with a 21% decline for the S&P 500. Ramp, which makes money from taking a share of credit-card interchange fees, landed an $8.1 billion valuation in March and has raised more than $1.4 billion from investors including Goldman Sachs, Peter Thiel's Founders Fund and Stripe. The company won't disclose revenue but now counts more than 10,000 businesses—including real estate giant Douglas Elliman, fintech Marqeta and software companies Anduril and Webflow—as clients, more than four times the count one year ago. "We started in the go-go days of WeWork and Uber

Ramp Frequently Asked Questions (FAQ)

  • When was Ramp founded?

    Ramp was founded in 2019.

  • Where is Ramp's headquarters?

    Ramp's headquarters is located at 71 5th Avenue, New York.

  • What is Ramp's latest funding round?

    Ramp's latest funding round is Debt - II.

  • How much did Ramp raise?

    Ramp raised a total of $1.377B.

  • Who are the investors of Ramp?

    Investors of Ramp include Goldman Sachs, Citibank, Coatue Management, D1 Capital Partners, Founders Fund and 24 more.

  • Who are Ramp's competitors?

    Competitors of Ramp include Nitra, Torpago, PayEm, Teampay, Karta, Center, Capital on Tap, Mesh, Airbase, Yokoy and 28 more.

  • What products does Ramp offer?

    Ramp's products include Ramp Card and 4 more.

  • Who are Ramp's customers?

    Customers of Ramp include Mode Analytics.

Compare Ramp to Competitors

Brex Logo

Brex provides a business-to-business financial product. It offers a corporate credit card for technology companies, expense management, financial modeling, bill payment, business account, and more. It was formerly known as Veyond. It was founded in 2017 and is based in San Francisco, California.

Pleo Logo

Pleo offers smart payment cards for employees, enabling them to buy the things they need for work and keeping the companies in control of spending. The company pairs the cards with software/mobile apps to automatically match receipts and track all spending company-wide in real-time, with analytics and accounting software integrations to boot.

Airbase Logo

Airbase operates as a spend management platform available to small, midsize, and early enterprise companies. Its products include all-inclusive accounts payable automation, bill payments, software-enabled corporate cards, and reimbursements. The company was founded in 2017 and is based in San Francisco, California.

Jeeves Logo

Jeeves offers an expense management platform built for global businesses. It offers services including a corporate card in local currency with no fees or interest allowing firms to set up their financial function. It was founded in 2019 and is based in Orlando, Florida.

Spendesk Logo

Spendesk provides corporate spending solutions to control and manage payments. It provides a central dashboard to track budgets, receipts, and expense approvals and offers company cards with built-in controls. The company was founded in 2016 and is based in Paris, France.

Fyle Logo

Fyle is a computer vision-enabled expense management platform for enterprises. Fyle's platform can identify expense related data in emails, such as an air ticket receipt or a phone bill, and convert that data so it can be retrieved in a structured format and sent to the expense tool.

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