Applying and signing up for Ramp (U.S. based)
Note: This article primarily applies to Ramp Administrators. Cardholders may find other articles in the About Ramp section to be more applicable.
Overview
Welcome! We're thrilled you are considering joining us on Ramp.
Here is a quick overview of everything you need to know to get started.
Qualification
Who qualifies for Ramp?
To qualify for Ramp, your business must be:
- Be registered in the United States
- Be a corporation, limited liability company, or LP (nonprofits welcome). Currently, we are not accepting individuals, sole proprietors, and other types of unregistered businesses.
- Have at least $25,000 in cash in any US business bank account linked to your application
- Have most of your operations and corporate spending in the US (although we do support international transactions)
- Have a physical address located in the United States (cannot be a PO box, virtual office address, registered agent address, or mail-forwarding address)
Can I apply without an EIN or an SSN?
All applicants must include an employer identification number (EIN) on the application. This is a legal compliance requirement that cannot be waived.
However, you can apply to Ramp if you’re a business owner or officer without an SSN (social security number). Instead of an SSN, you’ll be required to provide a copy of your foreign passport and documentation to prove your address.
- Passport : enter the last four digits of your foreign passport or any other placeholder if the passport number is alphanumeric
- Proof of address : we accept the following documents:
- Utility bill
- Bank statement
- Pay stub
- Lease agreement with signature page
- Mortgage statement
- Insurance statement
Please note: Applicants must list a physical non-commercial address on their applications—this could be a US or non-US address. Contact our team at [email protected] if you have any questions during the application process.
Does Ramp require a personal guarantee?
No. Ramp does not require founders to personally guarantee your expenses - you can read why here. We consider your business’s financial health factors, such as the company’s cash balance, cash flows, and revenue in setting your company’s business limit. Learn more about our business limits here.
Applying
To sign up for Ramp, go to this link and enter your business email: https://ramp.com/get-ramp.
Note: we do not accept non-business email addresses for Ramp applications. If you do not have a business address, we recommend signing up for a company domain name to obtain one.
Here's a short list of information we will ask as part of the application process:
- Personal address and information (incl. last 4 of the Social Security Number) for one corporate officer
- Corporate formation information (EIN and formation dates)
- Credentials to link a bank account (Ramp sets your card limit as a % of cash in your linked bank accounts or you can use revenue-base underwriting to set your limit)
Ownership information
Ownership information can generally be found in Articles of Incorporation, tax documents, and loan applications.
Calculating your monthly business card spend
To calculate your estimated Monthly Business Card Spend add up your most recent monthly card spend from ALL business credit cards. Only include spend on your corporate cards, don’t include any bill payments made via ACH, check, or wire payments. If your spending is highly seasonal or variable, report the average of the last 3-6 months.
Business description
Our application requires a brief description of your business and its core product and/or service offerings. For example, “Tony’s Pizzeria crafts homemade pizza and other Italian specialties serving the NYC area. We have 5 retail locations as well as a catering service for weddings and other special events. Each year we sell approximately 500,000 pizzas.”
Finding your EIN
Your Employer Identification Number (EIN) is frequently used on business and tax-related documents. You should be able to find your EIN on old tax returns and business loan applications. If you do not have any documentation with your EIN, you can call the IRS (contact them here).
Finding your incorporation details
Companies must file an incorporation government with their state government in order to legally form a corporation. Different states have different names, but generally, these will be titled Certificate of Incorporation or Articles of Incorporation. The State of Incorporation and date of Incorporation should be visible on the front page of this document.
Linking your bank account
You will be required to link your business bank account as part of the application process. Please see this page for details: Ramp bank connections overview.
Note on non-business emails
We do not accept non-business email addresses. If you don’t have a business address, we recommend signing up for a company domain name to obtain one.
What information will be requested?
Here’s a list of information we’ll ask for in the application process. This information will be used to fulfill regulatory requirements for credit issuers and ensure we can give your business the highest possible credit limit.
- Business address, information, and description, including your business’s legal and DBA names
- Corporate formation information, including your EIN and formation dates
- Monthly business card spend
- Personal address and contact information, including the last 4 digits of the SSN, for one corporate officer or the business owner
- Credentials to link a bank account
Note: We run identity verification checks on all applicants. If we require more information to verify your identity, there will be a hosted verification flow requiring document and selfie uploads.
Corporate formation information and your EIN
This information can generally be found in Articles of Incorporation, tax documents, and loan applications. Your EIN can be found on old tax returns and business loan applications. If you can’t find it on any documentation, you can call the IRS.
Monthly business card spend
Add up your most recent monthly card spend from all of your business credit cards. If your spend is highly seasonal or variable, report the average of the last 3-6 months. Don’t include any bill payments made via ACH, check, or wire.
Bank account linking - directly
We require customers to link their business bank account(s) as part of the application process. A bank connection allows us to make faster underwriting decisions thanks to real-time visibility into your cash balance and lets us make statement payments for your card balance.
This connection is secure and private - your data is protected by bank-grade encryption, and your credentials will never be accessible to Ramp. Learn more about bank connections here.
Bank account linking - manually
Sometimes, we require applicants to manually connect their bank accounts if the direct connection process doesn’t work.
The manual process is as simple as uploading three current bank statements and making sure they’re in PDF format. PDF format ensures we receive all the information we need from your statements to underwrite your business.
Frequently asked questions
Where can I find my bank statements?
Sign in to your business’s banking portal and look for the term ‘Statement’. Sometimes it’s located under a section titled ‘My Documents’. Download your three most recent bank statements in PDF form.
What should I do if I don’t have my bank statements?
If you don’t have three current bank statements to upload, we accept the following:
- Statements from the last three months from your previous bank account (if you recently switched to your current one) OR
- A bank verification letter showing the following:
- The name of your business
- The bank account’s current balance