Ramp

Ramp is the finance system most mid-market CFOs wish they had bought two years ago. It started as a corporate card and turned into the spend layer for the entire company. Cards, expenses, bill pay, procurement, and travel sit on one ledger, which is what makes the automation actually compound.

What Ramp Does

Ramp replaces a stack of finance tools (Brex, Bill.com, Concur, Expensify, Coupa-lite) with one platform built around a single data model: every dollar leaving the business runs through the same approval engine, GL coding logic, and policy layer.

• Corporate cards (unlimited physical and virtual) with per-card spend rules, vendor locks, and category controls baked in at issuance.
• Expense management with AI-filled memos, automatic receipt matching, and policy review on every transaction (not just sampled ones).
• Accounts payable with OCR invoice extraction, multi-step approvals, ACH and check payments, and 1099 tracking.
• Procurement: intake forms, contract parsing, vendor onboarding, and renewal alerts. Available as an add-on on Plus and Enterprise.
• Travel booking inside the same policy engine, with automatic rate monitoring and rebooking when prices drop.
• Treasury (Ramp Business Account) earning yield on operating cash, plus reimbursements in local currency across 30+ countries on Enterprise.
• Native ERP sync into QuickBooks Online, Xero, NetSuite, Sage Intacct, Workday Financials, and Oracle Fusion.

Ramp Intelligence

Ramp Intelligence is the AI layer sitting across the platform. It is not a chatbot bolted on the side. It is a set of agents trained on the spending patterns of 50,000+ businesses that auto-code transactions, flag duplicate SaaS subscriptions, parse contracts at intake, detect fraud and policy violations in real time, and queue approvals to the right person without anyone setting up a routing tree by hand. Money movement still requires human confirmation, so the audit trail stays clean.

Automations We Build with Ramp

Out of the box, Ramp solves the obvious problems. The leverage shows up when you wire it into the rest of the company. These are the plays we run for clients.

• SaaS spend audit on a recurring loop. Ramp flags duplicates and dormant subscriptions; we route them to Slack with the owner tagged and a cancel/keep button that writes back to the vendor record.
• Procurement intake that pulls context from the CRM. New vendor request hits a form, we enrich with the requesting department, the related deal or project, and the renewal date before it reaches the approver.
• AP exception routing into a single queue. Invoices that fail OCR matching, PO matching, or fraud checks get triaged in one Slack channel with the relevant context attached, instead of sitting in three different Ramp views.
• Month-end close automation. Ramp pushes transactions into NetSuite. We add the reconciliation layer: intercompany matching, accrual flags, prepaid amortisation, and an exception report the controller actually wants to open.
• Card issuance tied to onboarding. A new hire enters Rippling or BambooHR, Ramp issues the card with the right limits and GL code for that role, and revokes it on offboarding the same day.
• Vendor renewal early warning. Contract parsing flags 90-day renewal windows; we push the alert into the procurement owner's calendar with the vendor's usage data from the integration logs attached.
• Multi-entity GL coding rules. For PE-backed groups, we configure entity-aware coding so cards inherit the right cost centre, intercompany clearing account, and entity tag at swipe, then audit weekly.

Why Teams Choose Ramp

• One platform for spend. Cards, AP, procurement, T&E, and treasury share one approval engine and one GL coding layer. Finance stops reconciling tools against each other.
• AI that pays for itself in close time. Auto-coding and automatic receipt matching pull days out of month-end and remove the manual chase for memos.
• Real spend controls before money leaves. Per-card limits, vendor locks, and category restrictions stop overspend at issuance, not in a reconciliation meeting.
• ERP-native, not ERP-adjacent. NetSuite, Sage Intacct, QuickBooks, Xero, Workday, and Oracle all get line-item sync, not a CSV export.
• Free tier that is actually usable. Most platforms gate cards behind a per-seat fee. Ramp lets a 200-person company run the cards and basic AP at $0/user, paying only when they need the AI features or advanced integrations.

Ramp integrates natively with QuickBooks Online, Xero, NetSuite, Sage Intacct, Workday Financials, Oracle Fusion Cloud, plus 200+ HRIS and productivity tools (Rippling, BambooHR, Slack, Microsoft Teams). Pricing starts free, with Plus at $15/user/month plus a platform fee, and Enterprise on custom annual pricing. That is the base layer. The automations on top, the procurement intake, the SaaS audit loop, the multi-entity coding, the close acceleration, that is the build we do.