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RAMP
🇺🇸US🇬🇧UK

Ramp

Corporate cards + genuinely autonomous AP; $32B valuation and direct UK/EU launch via Billhop.

Primary

Ap

Kind

Ap Specialist

Raised

~$2.3B

Pricing

Free base tier; Plus / Enterprise paid

01Score Breakdown

Each dimension is a composite of public signals. The Index is a weighted average; weights are published on the methodology page.

Autonomy · 30%
82.0
Accuracy · 20%
82.0
Coverage · 13%
70.0
Local Fit · 13%
41.0
Integrations · 8%
84.0
Traction · 8%
96.0
Pricing · 8%
86.0
02Feature Coverage

Where the tool plays across the 17-category taxonomy used by this index.

General Ledger

The system of record — chart of accounts, journal entries, trial balance.

Transaction Categorization

Classifying bank and card transactions against a chart of accounts.

Bank Reconciliation

Matching ledger entries to bank statements; flagging discrepancies.

Accounts PayablePrimary

Bill capture, vendor management, approval workflows, payment execution.

Accounts Receivable

Invoicing, dunning, collections, payment matching.

Month-End Close

Accruals, deferrals, depreciation, task orchestration, review workflows.

Financial Reporting

P&L, balance sheet, cash flow, variance analysis, board-ready packs.

Tax

Income tax, sales tax / VAT / moms, nexus tracking, e-filing.

Audit Prep

Documentation, PBC lists, evidence trails, auditor collaboration.

Payroll

Wage calculation, withholdings, benefits, regulatory filings.

Multi-Entity Consolidation

Inter-company elimination, currency translation, consolidated statements.

Revenue Recognition

ASC 606 / IFRS 15 automation, performance-obligation tracking.

Expense Management

Corporate cards, expense policy, reimbursements, spend controls.

FP&A Copilot

Forecasting, budgeting, scenario modeling, variance commentary.

Natural-Language Interface

Conversational query, report generation, and action-taking via chat.

Practice Management

Firm-side workflow, client portals, deadlines, CRM, billing, and team orchestration for accounting and tax practices.

AI Tax Research

Generative-AI research and memo-writing assistants trained on tax code, rulings, and case law.

03Research

Ramp is the clearest autonomy-in-practice story in US agentic accounting. The bills-to-pay workflow — capture, code, approve, pay — runs end-to-end without human action for a meaningful portion of transactions, and the corporate-card + expense-policy layer gives Ramp the control surface to do it safely. As of Q4 2025, 50,000+ customers, $1B+ ARR, 54% revenue growth.

Ramp raised four times in 2025 ($13B → $22.5B → $32B valuation trajectory), with the November 2025 $300M Series E-3 taking total raised to ~$2.3B. The March 2026 acquisition of Stockholm-based Billhop gives Ramp the regulatory licenses to operate directly across the UK and EEA — summer 2026 direct customer signups are expected, with London and Stockholm offices opening alongside a doubled UK team. UK local fit has been revised up accordingly; DE and SE remain thin pending the first full year of EU operations.

The product's structural weakness is still the ledger story: Ramp isn't a general ledger and integrates with QuickBooks, NetSuite, Sage, and others. For companies that already have their book of record and want agentic AP grafted on, Ramp is unrivaled in the US — and becoming rival-capable in the UK.

Citations