Corporate Travel Expense Management & Cards · B2B SaaS Provider
Ramp
Finance automation platform for cards, spend, payments and procurement.
Available information varies by company and source.
Profile record updated:
Company facts
- Official name
- Ramp Business Corporation
- Entity type
- COMPANY
- Founded
- 2019
- Headquarters
- United States
- Company size
- 1,001–5,000
- Market cluster / sector
- Corporate Travel Expense Management & Cards
- Market role
- B2B SaaS Provider
- Official website
- ramp.com
What Ramp does
Ramp operates a B2B software-plus-financial-services model. It provides finance workflow software that controls spend, automates accounting and procurement processes, and embeds transaction execution through cards, bill payments, banking and travel. This creates value by consolidating fragmented finance tasks into one operating layer while also capturing economic value from software subscriptions, payment activity and financial-product usage.
Category differentiation
Ramp is a B2B finance automation and fintech platform, not a generic business consultancy or consumer banking app. It sells software and embedded financial workflows to businesses and accounting firms.
Strategic context
AI-supported assessment from the existing company research; distinguish interpretation from sourced facts.
Ramp Business Corporation is a private US-based B2B finance automation platform that combines corporate cards, expense management, accounts payable, procurement, travel, business banking and accounting workflow tools in a unified software and payments stack. Its products are sold to businesses, finance teams, controllers, procurement leaders, accounting departments and accounting firms. The company has also expanded into adjacent AI-enabled workflow products such as AI token spend monitoring, AI spreadsheet modelling and bookkeeping automation for accounting firms. Ramp generates revenue through a blend of software subscriptions, transaction-based payment fees and embedded financial-product economics tied to cards, banking and bill-pay activity. Its commercial model mixes free entry-level software with paid tiers, enterprise pricing, usage-based charges for selected products and monetisation from payment flows. Ramp’s strategy is to centralise business spend, approvals, vendor payments and finance operations so customers reduce manual work, enforce policy earlier and keep more transaction volume inside the platform.
Company news briefing
Briefing updated:
Ramp has officially launched in the UK, marking a key international growth milestone for the corporate spend management platform. Additionally, company data has been cited reflecting broader macroeconomic shifts, including a potential slowdown in enterprise AI spending growth. Meanwhile, former Ramp engineers have launched the AI ad platform Melius, which secured $25 million in funding.
Business model & monetisation
Ramp monetises through a freemium and tiered SaaS model combined with transaction and financial-services revenue. Ramp Free offers core card and expense capabilities without a platform fee, while paid plans such as Ramp Plus add per-user and platform pricing and Enterprise is custom priced. Bill Pay introduces explicit transaction fees for ACH, wires and cheques, with fee waivers in selected banking-linked scenarios. Stack by Ramp uses usage-based credits. In parallel, Ramp captures financial-product economics from corporate cards, banking and payment flows executed through the platform.
- Paid software plans
- Software Subscription
- Bill pay and payment execution fees
- Service Fee
- Usage-based credits for accounting automation products
- Pay-per-Use
- Corporate card and banking economics
- Service Fee
Products & capabilities
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Competitors & alternatives
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Corporate spend management, cards, payments and travel software for businesses.
Business banking and finance operations platform for startups.
Corporate travel, expense, payments, and spend analytics platform.
Global payments and financial operations platform for businesses.
Specialised payment platforms for employee benefits, mobility and B2B finance.
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Recent recorded signals
Dates refer to the source publication. Older entries are historical context, not evidence of a new event.
Ramp seeks national trust bank charter to hold customer money
Financials · Recorded impact score: 4/5
Ramp, the fintech company valued at $60 billion, has applied for a national trust bank charter from the Office of the Comptroller of the Currency (OCC). This move follows its recent $1.85 billion fundraising and the acquisition of Vesto, a treasury software company. The charter would allow Ramp to hold, invest, and move customer money directly, reducing its reliance on partners like Stripe for regulated services. Customers currently hold over $5 billion in Ramp accounts. The article analyzes what the charter permits and restricts, the potential removal of the Stripe dependency, and how the Vesto deal could divert corporate cash from traditional banks like JPMorgan and Bank of America. A lawsuit might still challenge the scope of the plan.
- Ramp applied for a national trust bank charter from the OCC.
- The application came after Ramp raised $1.85 billion at a $60 billion valuation.
AI Startup Minerva Launches Agentic CDP for Marketers
AI · Recorded impact score: 3/5
Minerva, an AI startup founded by finance veterans, has raised $20 million and built an 'agentic CDP' that uses AI agents to unify brand first-party data with an identity graph of 270 million consumers. The CEO Jackson Engles emphasizes the product is a specialized marketing platform rather than a general-purpose AI tool. Minerva's agents, built on OpenAI, map, unify, and supplement customer data, enabling use cases like extending direct mail campaigns and creating lookalike audiences for Meta. Client results include an 80% boost in marketing-qualified leads for Ramp and a 3.4x higher ROAS for Wander. The company is also developing an 'agentic data scientist' for predictive modeling. Minerva avoids marketing the CDP label, focusing on outcomes over infrastructure.
- Minerva raised $20 million (Axios, June 2026).
- Minerva uses an identity graph of 270 million consumers.
Ramp Raises $1.85B at $60B Valuation
Financials · Recorded impact score: 4/5
Ramp, a New York-based fintech specializing in corporate cards and expense management, is raising approximately $1.85 billion (€1.65 billion) at a pre-money valuation of $60 billion (€53 billion), as reported by Bloomberg. The round is led by Dragoneer and Thrive Capital, with participation from Founders Fund, Sands Capital, and Avenir Growth. This follows a $750 million Series F raised in June 2025 at a $44 billion valuation. Ramp's annualized revenue has surpassed $2 billion, up from $1.5 billion in early June, and the company now serves over 85,000 customers processing more than $100 billion annually, with payment volume growing 170% year-over-year. Ramp is expanding internationally (acquiring Billhop for European licenses) and into AI, launching Router.com for AI model routing, a corporate credit card for AI agents, and Glass, a workspace for AI automations. The company faces competition from Pleo, Moss, American Express, and Rippling. The high valuation (30x revenue) is notable given Brex's recent sale to Capital One for $5.15 billion.
- Ramp is raising $1.85 billion at a pre-money valuation of $60 billion, led by Dragoneer and Thrive Capital, with participation from Founders Fund, Sands Capital, and Avenir Growth.
- This follows a $750 million Series F at a $44 billion valuation in June 2025.
Ex-Ramp Engineers Raise $20M for AI Ad Platform Melius
Funding · Recorded impact score: 4/5
Melius, an AI platform for generating ad campaigns, images, and videos, announced on Tuesday that it raised a total of $25 million in funding, including a $20 million Series A led by CRV and a $5 million seed round led by General Catalyst. The New York-based company, founded by former Ramp engineers, initially built an AI-powered performance marketing tool but scrapped the entire codebase after six months to focus on generating creative assets. Melius claims to have surpassed $1 million in annualized revenue within two months of coming out of stealth in July. The platform is described as an 'agents lab for creative work', allowing users to create ads using plain language. Competitors include Higgsfield, Krea, and Flora AI.
- Melius raised $25 million in total funding, including a $20 million Series A led by CRV and a $5 million seed round led by General Catalyst.
- Melius is an AI platform for generating ad campaigns, images, and videos.
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Questions about Ramp
What is Ramp?
Ramp is a B2B finance automation platform that combines corporate cards, expense management, bill payments, procurement, travel, banking and accounting workflow tools.
Who uses Ramp?
Ramp is used by businesses, finance teams, controllers, accounts payable and procurement teams, travel managers, and accounting firms managing client finance operations.
How does Ramp make money?
Ramp makes money from paid software plans, payment-related fees, usage-based product charges and financial-product economics tied to cards, banking and payment flows.
Sources & coverage
This profile uses public, official and technically observable information. Missing information does not prove that a product or relationship does not exist. The list below does not imply that every profile statement has been verified.
21 publicly documented primary sources and citations linked across the market graph.
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