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class="nav-menu-23 w-nav-menu"><div class="nav-inner"><div data-hover="true" data-delay="0" class="nav-dd-23 w-dropdown"><div class="nav-toggle-23 w-dropdown-toggle"><div class="nav-toggle-text-23"><div>Products</div><div class="nav-dd-icon-23 w-embed"><svg class="nav-23-up-caret" width="12" height="6" viewBox="0 0 12 6" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.12845 6.00008L0 0H1.64439L5.95065 5.03815L10.2569 0H11.9013L6.77284 6.00008H5.12845Z" fill="currentColor" /> </svg> <svg class="nav-23-down-caret" width="12" height="6" viewBox="0 0 12 6" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M6.7728 -8.0557e-05L11.9012 6L10.2569 6L5.9506 0.96185L1.64435 6L-5.53131e-05 6L5.12841 -8.07007e-05L6.7728 -8.0557e-05Z" fill="currentColor" /> </svg></div></div></div><nav class="nav-dd-list-25 w-dropdown-list"><div class="nav-underline-23"></div><div class="flex flex-cgap-32 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w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2be41421d61bbc8feaea_dollar-bill.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Accounts Payable</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Process AP in minutes.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/travel" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2b9ef783d0bd92719dc2_plane-and-bed.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Travel</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Keep T&E in check.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/expense-management" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2b9e141eae286c7483ac_pie-chart.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Expense Management</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Eliminate expense reports.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/procurement" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2b9e3fa1b5c23cc2bd96_shopping-bag.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Procurement</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Speed up intake-to-pay.</div></div></a></div></div></div><div id="w-node-_04773730-67ad-b6c7-4bf0-02e33ec10dae-210feaff" class="mini-grid-column-25"><div class="nav-column-title-24">Platform</div><div class="mt-24 mt-md-16"><div class="nav-dd-list-25--grid"><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/integrations" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2b9dc29d1fc8712858fa_integrations.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Integrations</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Connect to your finance stack.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/accounting-automation-software" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2b9dba7ac5690bdceaa6_calculator.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Accounting Automation</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Accelerate monthly close.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/intelligence" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2b9d83a435c383fb048c_intelligence.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Intelligence</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Put AI to work for you.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/real-time-reporting" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2b9df4f756dc2ce4bde1_bank.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Reporting</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Get full visibility in real-time.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/global" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2b9df783d0bd92719d2f_globe.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Global Ready</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Spend globally, operate locally.</div></div></a></div></div></div></div><div class="hidden d-block-md"><div class="my-32"><div class="nav-23-mobile-divider"></div></div></div><div class="nav-24-featured-card"><div class="hidden-md"><div class="nav-column-title-24">Updates</div></div><div class="mt-32 mt-md-0"><a data-element="blog-link" href="/blog/introducing-ramp-travel" class="text-nodecoration w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/665f0db1aba6ae8dbf9d2bc7_nav-menu-travel.webp" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/665f0db1aba6ae8dbf9d2bc7_nav-menu-travel-p-500.webp 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/665f0db1aba6ae8dbf9d2bc7_nav-menu-travel.webp 755w" alt="" class="br-8"/><div class="mt-16"><div class="_w-200"><div class="text-color black"><div class="body-22 u-strong">Introducing Ramp Travel</div></div><div class="mt-8"><div id="w-node-_04773730-67ad-b6c7-4bf0-02e33ec10dd2-210feaff" class="detail-22 c-text--light--hushed">Set custom policies and manage bookings, all in one place.</div></div></div></div></a></div></div></div></nav></div><div data-hover="true" data-delay="0" class="nav-dd-23 w-dropdown"><div class="nav-toggle-23 w-dropdown-toggle"><div class="nav-toggle-text-23"><div>Solutions</div><div class="nav-dd-icon-23 w-embed"><svg class="nav-23-up-caret" width="12" height="6" viewBox="0 0 12 6" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.12845 6.00008L0 0H1.64439L5.95065 5.03815L10.2569 0H11.9013L6.77284 6.00008H5.12845Z" fill="currentColor" /> </svg> <svg class="nav-23-down-caret" width="12" height="6" viewBox="0 0 12 6" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M6.7728 -8.0557e-05L11.9012 6L10.2569 6L5.9506 0.96185L1.64435 6L-5.53131e-05 6L5.12841 -8.07007e-05L6.7728 -8.0557e-05Z" fill="currentColor" /> </svg></div></div></div><nav class="nav-dd-list-25--sol w-dropdown-list"><div class="nav-underline-23"></div><div class="mini-grid-25"><div class="mini-grid-column-25"><div class="nav-column-title-24">By size</div><div class="mt-24 mt-md-16"><div class="nav-dd-list-25--grid-wide"><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/startups" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f27205afd14455c3647bb9_startups.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Startups</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Everything you need, fast.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/small-business" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f2720513b89994db11eb11_small-businesses.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Small business</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Travel, expenses, and AP in one place.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/mid-market" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f27205e5e0f6c0208995ea_mid-market.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Mid-market</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Automate tasks and delight employees.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/enterprise" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f2720540bdf0e3d1dd4ad9_enterprise.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Enterprise</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Go global and scale up operations.</div></div></a></div></div></div><div id="w-node-_9b7fa471-2991-2890-70cc-fea5565a85fc-210feaff" class="hidden"><div id="w-node-_9b7fa471-2991-2890-70cc-fea5565a85fd-210feaff" class="mini-grid-column-25"><div class="nav-column-title-24">By industry</div><div class="mt-24 mt-md-16"><div class="nav-dd-list-25--grid-wide"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="#" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f7a189715613be1331_software-and-technology.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Software & Technology</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="#" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f776efd0f24ff31558_construction.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Construction</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="#" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f73f34b6a13374a84c_healthcare.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Healthcare</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="#" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f77565472099836b7b_hospitality.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Hospitality</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="#" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f628ae95a8be7cf7f8_education.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Education</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="#" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f6512362162d956770_retail.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Retail</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="#" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f637267b3e7b0c20f4_local_shipping.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Fleets</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="#" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f6e5e0f6c0208dbf7f_dentistry.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Dentistry</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div></div></div></div><div id="w-node-_9b7fa471-2991-2890-70cc-fea5565a8612-210feaff" class="mini-grid-column-25"><div class="flex flex-cgap-12 flex-aend"><div class="nav-column-title-24">By partner</div><div class="hidden-md"><a href="/partnerships" class="flex no-underline w-inline-block"><div><div class="nav-column-subtitle-24">Become a partner →</div><div class="nav-24--subtitle--underline"></div></div><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f32130a7b63c48e7b8b868_arrow-right-767573.svg" loading="lazy" alt="" class="nav-24--subtitle--arrow hidden"/></a></div></div><div class="mt-24 mt-md-16"><div class="nav-dd-list-25--grid-wide"><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/accounting-partnerships" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f6114a26ed07fb3558_accounting-firms.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Accounting firms</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle"></div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/pe-partnerships" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f666d331bb3b574fd7_financial-institution-partners.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Private equity and venture capital</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle"></div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/services-partnerships" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f6a3fe6e92130d1d1d_alliance-partners.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Services providers</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle"></div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/affiliates" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f666d331bb3b574fd4_affiliate-partners.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Affiliates</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle"></div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/developer-api" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/67197301948375019dffbee7_tech-partner.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Technology partners</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle"></div></div></a></div></div></div></div></nav></div><div class="nav-menu-cta-23"><a href="/customers" class="nav-link-main-23 w-nav-link">Customers</a></div><div data-hover="true" data-delay="0" class="nav-dd-23 w-dropdown"><div class="nav-toggle-23 w-dropdown-toggle"><div class="nav-toggle-text-23"><div>Resources</div><div class="nav-dd-icon-23 w-embed"><svg class="nav-23-up-caret" width="12" height="6" viewBox="0 0 12 6" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.12845 6.00008L0 0H1.64439L5.95065 5.03815L10.2569 0H11.9013L6.77284 6.00008H5.12845Z" fill="currentColor" /> </svg> <svg class="nav-23-down-caret" width="12" height="6" viewBox="0 0 12 6" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M6.7728 -8.0557e-05L11.9012 6L10.2569 6L5.9506 0.96185L1.64435 6L-5.53131e-05 6L5.12841 -8.07007e-05L6.7728 -8.0557e-05Z" fill="currentColor" /> </svg></div></div></div><nav class="nav-dd-list-23--res w-dropdown-list"><div class="nav-underline-23"></div><div class="flex flex-cgap-24 flex-md-col"><div class="mini-grid-25--wide"><div class="mini-grid-column"><div class="nav-dd-list-23--grid"><div id="w-node-b7a43167-f36b-f3f6-517c-f1560097b1db-210feaff" class="nav-column-title-24">Learn</div><div class="nav-dd-list-23--grid-item"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="/resources" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f7a189715613be1331_software-and-technology.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Blog</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div><div class="nav-dd-list-23--grid-item"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="/free-tools" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6711709ee345ff21e1c7a0f6_chart.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Growth tools</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div><div class="nav-dd-list-23--grid-item"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="/webinars" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6711709e15fb1d5384d668e2_video_camera.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Webinars</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div><div class="nav-dd-list-23--grid-item"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="/industry-spend-reports" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/67117b4e611fbcd55c6da1ae_receipt-nav.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Spending reports</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div><div id="w-node-b7a43167-f36b-f3f6-517c-f1560097b1e9-210feaff" class="nav-dd-list-23--grid-item"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="https://academy.ramp.com/" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6711709fb815d70d1a3da5e7_school.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Ramp academy</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div></div></div><div class="mini-grid-column"><div class="nav-dd-list-23--grid"><div id="w-node-b7a43167-f36b-f3f6-517c-f1560097b1ee-210feaff" class="nav-column-title-24">Connect</div><div class="nav-dd-list-23--grid-item"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="/careers" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6711709e5780fa9906fee352_work.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Careers</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div><div class="nav-dd-list-23--grid-item"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="/blog/news" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6711709eff11abf6fcb6f9c3_news.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Newsroom</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div></div></div><div id="w-node-b7a43167-f36b-f3f6-517c-f1560097b1f6-210feaff" class="mini-grid-column"><div class="nav-dd-list-23--grid"><div id="w-node-b7a43167-f36b-f3f6-517c-f1560097b1f8-210feaff" class="nav-column-title-24">Support</div><div class="nav-dd-list-23--grid-item"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="https://support.ramp.com/hc/en-us" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6711709e1d677abf8399ea8b_help.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Help center</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div><div class="nav-dd-list-23--grid-item"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="/training" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6711709f12929faba7c590fb_device.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Live trainings</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div></div></div></div><div class="hidden d-block-md"><div class="my-32"><div class="nav-23-mobile-divider"></div></div></div><div><div class="nav-column-title">Featured</div><div class="mt-24"><a data-element="blog-link" href="/virtual-cards" class="text-nodecoration w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/64efa6d79c3cc7d674843fb2_virutalCardsDropdown.webp" loading="eager" sizes="100vw" srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/64efa6d79c3cc7d674843fb2_virutalCardsDropdown-p-500.webp 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/64efa6d79c3cc7d674843fb2_virutalCardsDropdown-p-800.webp 800w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/64efa6d79c3cc7d674843fb2_virutalCardsDropdown-p-1080.webp 1080w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/64efa6d79c3cc7d674843fb2_virutalCardsDropdown-p-1600.webp 1600w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/64efa6d79c3cc7d674843fb2_virutalCardsDropdown.webp 1800w" alt="" class="br-8"/><div class="mt-16"><div class="_w-210"><div class="text-color black"><div class="detail-22">Unlimited virtual cards</div></div><div class="mt-8"><div class="text-color black-600"><div id="w-node-_61324463-83d6-20d3-58d7-dbf0235250ac-210feaff" class="nav-23--text">Discover the potential of virtual cards for your business.</div></div></div></div></div></a></div></div></div></nav></div><div class="nav-menu-cta-23"><a href="/pricing" class="nav-link-main-23 w-nav-link">Pricing</a></div></div><div class="nav-menu-23--mobile-buttons-single"><a data-anchor-link="" href="/see-a-demo" class="button-medium-23 button-solar-23 w-inline-block"><div class="button-text-22">See a demo</div></a></div><div class="nav-23-spacer"></div></nav><div class="h-full flex flex-acenter"><div class="nav-menu-23--right"><div id="w-node-_7b7cf88e-1886-91a8-6def-d1e32a02f8c2-2a02f8c0" class="nav-menu-23--right--button-container"><a data-element="nav-sign-in-button" href="https://app.ramp.com/sign-in" target="_blank" class="nav-button-23 w-inline-block"><div class="nav-button-text-23">Sign in</div></a><div class="sign-in-cookie-redirect-menu"><a id="opt-in-redirect" href="https://app.ramp.com/sign-in" class="no-underline w-inline-block"><div class="p-24"><div class="flex flex-col flex-rgap-16 flex-astart"><div class="text-color black-700"><div class="detail-22">Skip directly to the Ramp login screen from now on?</div></div><div class="text-link-23-nav"><div class="text-link-23__inner"><div class="text-color black"><div class="detail-22">Yes, save me a click!</div></div><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" loading="lazy" alt="right arrow" class="cta-arrow-23"/></div></div></div></div></a><div class="hidden w-embed w-script"><style> @media screen and (max-width: 991px) { .sign-in-cookie-redirect-menu { display: none !important; opacity: 0 !important; pointer-events: none !important; } } </style> <script src="https://cdn.jsdelivr.net/npm/js-cookie@2.2.1/src/js.cookie.min.js"></script> <script> const hasClickedSignInCookie = 'has-clicked-sign-in'; const hasOptedInRedirectCookie = 'has-opted-in-redirect'; const redirectStyleNode = document.createElement('style'); redirectStyleNode.type = "text/css"; redirectStyleNode.textContent = ` .sign-in-cookie-redirect-menu { opacity: 1; pointer-events: auto; } `; const conditionallyShowRedirectMenu = () => { let _lastScrollTop = 0; let _scrollDirection = null; let _upTriggered = false; let _downTriggered = false; let isRedirectStyleNodeAdded = false; const topOffset = 16; const getScrollPosition = () => window.pageYOffset || document.documentElement.scrollTop; window.addEventListener('scroll', () => { const st = getScrollPosition(); if (st > _lastScrollTop) { _scrollDirection = 'down'; } else { _scrollDirection = 'up'; } _lastScrollTop = st <= 0 ? 0 : st; if (!_downTriggered && _scrollDirection === 'down' && st >= topOffset) { _upTriggered = false; _downTriggered = true; if (isRedirectStyleNodeAdded) { redirectStyleNode.remove(); isRedirectStyleNodeAdded = false; } } else if (!_upTriggered && _scrollDirection === 'up' && st <= topOffset) { _upTriggered = true; _downTriggered = false; if (!isRedirectStyleNodeAdded) { document.getElementsByTagName('head')[0].appendChild(redirectStyleNode); isRedirectStyleNodeAdded = true; } } }); // initial check, runs once, on load if (getScrollPosition() < topOffset) { document.getElementsByTagName('head')[0].appendChild(redirectStyleNode); isRedirectStyleNodeAdded = true; } } document.addEventListener('DOMContentLoaded', () => { const hasOptedInRedirect = Cookies?.get(hasOptedInRedirectCookie) ?? false; const hasClickedSignIn = Cookies?.get(hasClickedSignInCookie) ?? false; const { pathname, search } = window.location; if (['/', '/welcome'].includes(pathname)) { const searchParams = new URLSearchParams(search); if (searchParams.get('rm-redirect')) { Cookies?.remove(hasOptedInRedirectCookie); return; } if (hasOptedInRedirect) { window.location.replace('https://app.ramp.com/sign-in?landing-redirect=true'); return; } if (hasClickedSignIn) { conditionallyShowRedirectMenu(); } } const navBarSignIns = document.querySelectorAll('[data-element="nav-sign-in-button"]'); navBarSignIns.forEach(signIn => { signIn.addEventListener('click', () => { Cookies?.set(hasClickedSignInCookie, true, { expires: 90 }); }); }); const optInRedirectElement = document.getElementById('opt-in-redirect'); optInRedirectElement.addEventListener('click', () => { analytics?.track('Opted Into Sign-In Redirect'); Cookies?.set(hasOptedInRedirectCookie, true, { expires: 90 }); }); }); </script></div></div></div><a id="explore-product-btn" data-analytics="Explore Product CTA Clicked" data-property-location="Navbar on Scroll" href="/see-a-demo" class="nav-button-23--cta-test w-node-c439b057-5259-e868-4929-5f5b13c5eeb1-2a02f8c0 w-inline-block"><div class="nav-button-text-23">See a demo</div></a></div><div class="nav-menu-23--right-mobile"><a id="nav-cta-btn" href="https://app.ramp.com/sign-in" target="_blank" class="nav-button-23--mobile w-node-_7b7cf88e-1886-91a8-6def-d1e32a02f8d9-2a02f8c0 w-inline-block"><div class="nav-button-text-23">Sign in</div></a><div class="nav-23-hamburger w-nav-button"><div class="w-embed"><svg id="menu-open" width="17" height="18" viewBox="0 0 17 18" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_553_15248)"> <rect y="5.21948" width="1.5" height="24" transform="rotate(-90 0 5.21948)" fill="currentColor" /> <rect y="9.71948" width="1.5" height="24" transform="rotate(-90 0 9.71948)" fill="currentColor" /> <rect y="12.7195" width="24" height="1.5" fill="currentColor"/> </g> <defs> <clipPath id="clip0_553_15248"> <rect width="17" height="18" fill="white" transform="translate(0 0.000732422)"/> </clipPath> </defs> </svg> <svg id="menu-close" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"> <rect 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d="M21.82 31.234a.973.973 0 0 0 1.496.82l8.825-5.618c.6-.383.6-1.26 0-1.642l-8.825-5.618a.973.973 0 0 0-1.495.82v11.238Zm4.218 11.773c-2.377 0-4.623-.457-6.739-1.37a17.641 17.641 0 0 1-5.544-3.739 17.641 17.641 0 0 1-3.739-5.544c-.913-2.116-1.37-4.362-1.37-6.739 0-2.406.457-4.667 1.37-6.783.913-2.116 2.16-3.957 3.74-5.522 1.58-1.565 3.427-2.804 5.543-3.717 2.116-.913 4.363-1.37 6.74-1.37 2.405 0 4.666.457 6.782 1.37 2.116.913 3.957 2.152 5.522 3.717 1.565 1.566 2.805 3.406 3.718 5.522.913 2.116 1.37 4.377 1.37 6.783 0 2.377-.457 4.623-1.37 6.74-.913 2.115-2.153 3.963-3.718 5.543s-3.406 2.826-5.522 3.74c-2.116.912-4.377 1.369-6.783 1.369Z" fill="#fff"/> </g> </g> <defs> <filter id="a" x="-44" y="-44" width="140" height="140" filterUnits="userSpaceOnUse" color-interpolation-filters="sRGB"> <feFlood flood-opacity="0" result="BackgroundImageFix"/> <feGaussianBlur in="BackgroundImageFix" stdDeviation="22"/> <feComposite in2="SourceAlpha" operator="in" result="effect1_backgroundBlur_905_2224"/> <feBlend in="SourceGraphic" in2="effect1_backgroundBlur_905_2224" result="shape"/> </filter> </defs> </svg></div></div></div><div class="mt-16"><div v-html="highlightMatch(item.name, query)" class="detail-22 line-clamp-3">One-click financing for invoices—now part of Ramp’s fastest-growing service, Bill Pay</div></div></div><div class="hidden d-block-sm"><div v-html="highlightMatch(item.name, query)" class="h4-22 line-clamp-2">One-click financing for invoices—now part of Ramp’s fastest-growing service, Bill Pay</div><div class="mt-8"><div class="c-text--light--hushed"><div v-text="item.subtext" class="detail-22 line-clamp-3">This is some text inside of a div block.</div></div></div></div></a></div></div></div><div v-if="!filteredKeywords.length && !results.length"><div class="my-16"><div class="h4-22 text-center">No items match your query.</div><div class="mt-8"><div class="detail-22 text-center">Try expanding your search.</div></div></div></div></div></div><div v-if="filteredKeywords.length || results.length"><div class="mb-16"><div class="search-hairline"></div></div><div class="flex flex-jcenter"><a v-bind:href="allResultsUrl" href="#" class="button-medium-23 button-solar-23 global-search w-inline-block"><div class="button-text-22">Show all results</div></a></div></div></div></div></div></div><div><div data-w-id="c41f208d-6a36-2f06-cda1-0efc736c9e1e" class="nav-trigger-23"></div><div class="hidden w-embed w-script"><script> /* document.addEventListener('DOMContentLoaded', () => { const st = window.pageYOffset || document.documentElement.scrollTop; if (st > 0) { const exploreBtn = document.getElementById('explore-product-btn'); exploreBtn.style.display = 'block'; } }); */ </script></div></div></div><div class="bg-color-page bg-white"></div><div id="app" class="main-22"><section class="section-22"><div class="nav-spacer"><div class="bg-color bg-surface--smolder"></div></div><div class="bg-color bg-surface--smolder"></div><div class="contain-22"><div class="sc-hero-block tier-2-image"><div class="py-56"><div class="sc-hero-block__content tier-2-image"><div class="max-w-576"><div class="c-text--dark--primary"><h1 class="h2-22">A 2024 guide to small business unit economics: definition, model, and use cases</h1></div><div class="mt-16"><div class="max-w-480"><div class="body-22 c-text--dark--body">Strong unit economics is foundational to the health of a business. Learn how to think about and calculate this key metric</div></div></div></div><div class="mt-24"><div class="sc-hero-block__button-wrapper"><a data-anchor-link="get-model" href="#" class="button-large-22 button-solar-23 w-inline-block"><div class="button-text-22">Calculate unit economics</div></a><a href="#" data-anchor-link="example" class="button-large-22 button-light-23 w-inline-block"><div class="button-text-22 c-text--light--primary">Learn more</div></a></div></div></div></div></div></div></section><div class="my-24"><div class="spacer-24 mobile-12"><section id="mission-statement-generator" data-anchor-target="get-model" class="section-22"><div class="contain-22"><div class="sc-burn-rate-form"><div class="py-72 px-24 px-xl-40 px-sm-16"><div class="burn-rate-wrapper"><div id="w-node-_350ba56d-6500-7b66-69d8-6cac87b16681-c3b85f2f" class="burn-rate-form"><div><div class="title-causal-22 w-richtext"><h2>Free unit economics model,<br/>powered by <a href="https://www.causal.app/">Causal</a></h2></div><div class="w-embed"><style> .title-causal-22 h2{ margin-top: 0; } .title-causal-22 a{ font-size: 40px; line-height: 40px; } @media screen and (max-width: 767.9px) { .title-causal-22 a{ font-size: 36px; line-height: 36px; } } </style></div></div><div class="mt-56"><div data-no-personal-email="true" id="w-node-_350ba56d-6500-7b66-69d8-6cac87b1668a-c3b85f2f" class="burn-rate-form-wrapper w-form"><form id="email-form" name="email-form" data-name="Email Form" method="get" class="burn-rate__form-input" data-wf-page-id="64638e12b3757911c3b85f2f" data-wf-element-id="350ba56d-6500-7b66-69d8-6cac87b1668b"><div class="burn-rate_form-inner"><div class="burn-rate_form-input"><input class="text-input-22 input-primary w-input" maxlength="256" name="Work-Email" data-name="Work Email" placeholder="Work Email" type="email" id="work_email" required=""/></div><div class="burn-rate__form-input"><input class="text-input-22 input-primary w-input" maxlength="256" name="Company-Name" data-name="Company Name" placeholder="Company Name" type="text" id="company_name" required=""/></div><div class="burn-rate__form-input"><input class="text-input-22 input-primary w-input" maxlength="256" name="First-Name" data-name="First Name" placeholder="First Name" type="text" id="first_name" required=""/></div><div class="burn-rate__form-input"><input class="text-input-22 input-primary w-input" maxlength="256" name="Last-Name" data-name="Last Name" placeholder="Last Name" type="text" id="last_name"/></div></div><div class="mt-32"><div class="flex flex-col"><input type="submit" data-wait="Please wait..." id="get-model" class="button-large-22 button-solar-23 w-button" value="Get model for free"/></div></div><div class="mt-8"><div class="detail-22 c-text--light--hushed">By submitting this form, you agree your information will be made available to Ramp Business Corporation and Causal, Inc. for each company's independent processing as described in its privacy policy.</div></div><div class="mt-8"><div data-form-element="error-message" class="get-ramp-error-msg-22">Error Message</div></div><div class="error-msg-placeholder-small"></div><div class="get-ramp-error-msg-small">This is some text inside of a div block.</div></form><div class="u-multi-field-form-success w-form-done"><div><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/62cdedf1d3c26d3ad7f6d67f_check-circle-local.svg" loading="lazy" alt="" class="form-success-icon"/><div class="mt-16"><div class="h2-22">You are all set!</div></div><div class="mt-16"><div class="h4-22">If your browser doesn’t automatically open the link, <br/>click <a href="https://ramp.com/unit-economics-model-causal" target="_blank" class="h4-22">here</a> to access.</div></div></div></div><div class="w-form-fail"><div>Oops! Something went wrong while submitting the form.</div></div></div></div></div><div id="w-node-e23bfec0-a108-11dd-f5f7-df063b882444-c3b85f2f" class="my-auto"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/65de4749a6a478bb84fda5e5_Ramp%20Unit%20Economics%20Dashboard.webp" loading="lazy" id="w-node-_50257c19-8b4d-41e3-d779-56e1884b1af8-c3b85f2f" sizes="(max-width: 479px) 88vw, (max-width: 767px) 93vw, (max-width: 991px) 87vw, (max-width: 1279px) 46vw, 45vw" alt="" srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/65de4749a6a478bb84fda5e5_Ramp%20Unit%20Economics%20Dashboard-p-500.webp 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/65de4749a6a478bb84fda5e5_Ramp%20Unit%20Economics%20Dashboard-p-800.webp 800w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/65de4749a6a478bb84fda5e5_Ramp%20Unit%20Economics%20Dashboard-p-1080.webp 1080w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/65de4749a6a478bb84fda5e5_Ramp%20Unit%20Economics%20Dashboard.webp 1104w" class="_w-full h-auto br-8"/></div></div></div></div></div></section><section data-anchor-target="example" class="section-22"><div class="contain-22"><div class="sc-paragraph-block"><div class="py-72 px-24 px-xl-40 px-sm-16"><div class="contain-22"><div class="flex flex-jcenter"><div class="blog-max-width-container"><div class="rich-text-22 w-richtext"><p>Strong unit economics is essential for sustainable long-term growth and maintaining a healthy balance sheet during economic downturns. Unit economics is a key metric when assessing business health, and investors frequently look to it to inform their investment decisions. A solid understanding of unit economics for a particular product or a customer gives you critical spend allocation and waste insights.</p><h3>Topics included in this article:</h3><div class="w-embed"><style> .nested-ul { margin-top: 0 !important; margin-bottom: 0 !important; } @media screen and (max-width: 767px) { .nested-ul { margin-top: 32px !important; } } </style> <ul role="list"> <li><a href="#unit-economics">What is unit economics?</a></li> <li> <a href="#unit-economics-important" >Why is unit economics important?</a > </li> <li> <a href="#calculate-unit-economics" >How do you calculate unit economics?</a > <ul class="nested-ul"> <li><a href="#method-1">Method 1 - “One Customer”: LTV/CAC</a></li> <ul style="margin: 0 !important"> <li><a href="#good-ratio">So what’s a good ratio anyway?</a></li> </ul> <li style="margin-bottom:0 !important;"> <a href="#method-2" >Method 2 - “One Item Sold”: Contribution Margin</a > </li> </ul> </li> <li> <a href="#how-to-use-model" >How to use Causal model to calculate unit economics</a > </li> <li> <a href="#improve-unit-economics" >How to accurately assess and improve unit economics</a > </li> </ul></div><div class="w-embed"><a id="unit-economics"></a></div><h2>What is unit economics?</h2><p>Unit economics answer a simple question: <em>are we making money selling X unit (or to Y customer)? </em>Think of it as the profit-and-loss statement for a single unit sold, or a single customer sold to, before accounting for more general company-wide expenses.</p><h3>What is a unit in unit economics?</h3><p>In unit economics, we can define a unit in two ways: </p><ol role="list"><li><strong>“One unit = one customer”</strong>: Typically, the ratio of a customer’s lifetime value (LTV) to the costs to acquire that customer (CAC). </li><li><strong>“One unit = one item sold”: </strong>The incremental profit a company makes when it sells a single unit of its product. This is equal to the selling price minus the variable costs of making the product (e.g., material inputs and direct labor costs). This metric is commonly referred to as the contribution profit.</li></ol><p>For SaaS companies, unit economics is typically thought of in terms of individual customers. For example, once a customer subscribes to a piece of software, they typically generate recurring revenue with minimal incremental costs over their lifetime as a customer (i.e., until they unsubscribe). </p><p>The cost of making the software is then akin to the overhead costs of a company selling physical goods, and the ratio of the total lifetime recurring gross profits (until unsubscription) to the cost of acquiring the customer is more indicative of the health and sustainability of the business.</p><p>For companies selling physical products, the second definition provides better insights into potential product optimizations. For example, for a company that sells soap bars, the variable costs could include the raw materials, packaging, and labor associated with each type of soap bar the company sells. The revenue would simply be the sale price, i.e., the amount of money received from selling a finished product (in this example, a bar of soap).</p><p>Unit economics change over time, often as a result of changing input costs (e.g., materials, labor) and competitive pressures (e.g., pricing changes). As such, maintaining a real-time pulse on unit economics from a company’s earliest days and optimizing as needed provides the building blocks for long-term survival.</p><p>‍</p><div class="w-embed"><a id="unit-economics-important"></a></div><h2>Why is unit economics important?</h2><p>While important for companies and business models of all sizes, unit economics is especially crucial for early-stage startups. Failing to find product-market fit before funding runs out is a textbook mode of failure for venture-funded companies. </p><p>It is not uncommon for founders to adopt a “growth-at-all-costs” strategy early on, only to find that the product was never viable without subsidy. At the earliest stages, understanding cash flow, direct revenues, and costs helps establish a path to profitability, a key ingredient to long-term stability. Having a clear picture of your unit economics can help you:</p><ul role="list"><li><strong>Understand market suitability: </strong>Regularly examining whether a product’s pricing strategy and costs align with what the market can accept can help you understand whether your product has a business case. If a product does not have positive standalone unit economics, it would need to be “subsidized”, either by a more profitable product or by your balance sheet (e.g., investor funding, other cash on hand).</li><li><strong>Determine the viability of your product at scale: </strong>Unit economics analysis indicates how well a product does independently of fixed costs, such that if enough units are sold, the company can more than offset these costs. From here, your company can develop optimal pricing and customer acquisition strategies, figuring out the right moves for market introduction and continued competitiveness.</li><li><strong>Deploy capital effectively: </strong>Breaking down cost structures and revenue predictions reveals the levers your company has to maintain profitability and fund growth, enabling you to focus on increasing return on investment (ROI).</li></ul><div class="w-embed"><a id="calculate-unit-economics"></a></div><h2>How to calculate unit economics</h2><p>What are you selling? As mentioned above, you’ll look at slightly different measures when you choose to define a “unit” as a single customer acquired, or as a single item sold. </p><p>For example, a B2B SaaS business would typically consider the total dollar value of subscriptions purchased by the average customer over their lifetime, whereas a B2C ecommerce company selling jewelry might want to use a single necklace as a reference unit basis for analysis.</p><h3>Two Methods: <a href="#method-1">One Customer</a> vs. <a href="#method-2">One Item Sold</a></h3><div class="w-embed"><a id="method-1"></a></div><h3>Method 1 - “One Customer”: LTV/CAC</h3><p>For SaaS companies, as well as other types of companies with minimal marginal costs per unit sold, an individual customer can be thought of as a “unit”. If you choose this method, unit economics is measured by a ratio of two other important metrics – CAC and LTV. </p><p><em>Unit Economics = LTV / CAC</em></p><p>LTV/CAC is a ratio measuring the overall value a customer provides in their lifetime to the cost of acquiring them. Given how these metrics show both the net revenues and costs of a customer over their life, LTV and CAC can directly inform sales and marketing decisions. LTV can be thought of as the return on closing a new customer, while CAC represents the difficulty of closing new customers to generate this return.</p><p><strong>Customer lifetime value (LTV)</strong> represents the total expected gross profit for any given customer over their lifetime. More precisely, LTV is the (net) total dollar amount a company receives from a customer before they churn (i.e., stop being a customer). This has 4 components, and is calculated as follows:</p><p><em>LTV = Average Purchase Value x Gross Margin × Purchase Frequency in Period × Customer Lifespan per Period</em></p><p>Put more simply, total gross profit in a given time period times average lifespan (measured in units of that time period). Cross-functional teams at big and small companies alike use LTV to quantify how much money they can spend on customer acquisition, engagement, and retention rates, , and s while still being profitable, or if profits will be negative when spending more on customer acquisition.</p><p>LTV is usually calculated at a snapshot in time, with a time horizon depending on product dynamics. For example, if you sell a ready-to-drink beverage, a customer may purchase 10 units per month, sometimes not purchasing for 2 or 3 months at a time. LTV is a good measure of customer loyalty but could look very different on a 1-month, 3-month, or 6-month timeline.</p><p><strong>Customer acquisition cost (CAC)</strong> is the cost of attracting and acquiring a customer. This can include marketing expenses, discounts, or any spend that helps close a sale.</p><p><em>CAC = Total Sales & Marketing Costs in Period / Number Customers Acquired in Period</em></p><p><strong>CAC Payback Period </strong>is the amount of time it takes to recoup the customer acquisition cost from that customer or customer cohort.</p><p><em>CAC Payback (in Months) = CAC / (Monthly Revenue x Gross Margin) </em></p><p>If you choose to use the CAC of a single customer, then adjust all values accordingly to reflect that as well. If a software product costs a user $5 per month and you spent $50 to close the sale, it will take 10 months to recoup that CAC (assuming a 100% gross margin).</p><p>Venture-backed companies often have a longer horizon for CAC Payback. They’ll shoot to recoup customer acquisition costs between 12 and 18 months, and sometimes longer. Bootstrapped companies, on the other hand, need a quicker ROI to keep the business running.</p><p><em>To calculate these metrics using the attached Causal model, refer to the section below entitled “How to use Causal model to calculate unit economics” </em></p><div class="w-embed"><a id="good-ratio"></a></div><h2>So, what’s a good ratio anyway?</h2><p>It’s commonly said that 3:1 is a good LTV/CAC ratio, where your business gets 3x the value of acquisition cost from each new customer.</p><p>If your ratio is lower, for example, 1:1, you’re paying as much to acquire one customer as they spend on your product. In other words, you’re at break-even. Any lower than that, and you’re in negative profit territory – you’ll want to spend less on customer acquisition and test some other strategies.</p><p>If your ratio is higher, for example, 6:1, you’re likely missing out on growth opportunities. If you get 6x the value from a customer compared to the cost of acquiring them, then you could reinvest that money back into your sales and marketing efforts to strengthen conversion rates, and boost your total revenue.</p><p>For venture-backed companies, a low LTV/CAC ratio may raise red flags to investors, as it suggests that the company is struggling to acquire high-value customers and/or may require further capital to grow. On the other hand, a strong ratio is a green flag for growth – whether venture-backed or not, allocating capital differently will improve growth (and injecting capital is one means of acceleration).</p><div class="w-embed"><a id="method-2"></a></div><h3>Method 2 - “One Item Sold”: Contribution Margin</h3><p>With individually sold items, you’re aiming to figure out how the variable costs associated with that unit affect the overall price per unit. You’ll want to find the<strong> contribution margin, </strong>which is the difference between sales price and variable cost per unit.</p><p><em>Contribution Margin (%) = (Price per Unit - Variable Costs per Unit) / Price per Unit x 100%</em></p><p><em>To calculate these metrics using the attached Causal model, refer to the section below entitled “How to use Causal model to calculate unit economics” </em></p><div class="w-embed"><a id="how-to-use-model"></a></div><h2>How to use Causal model to calculate unit economics</h2><p>Note: For all methods, refer to the image below each, where the step number corresponds to the image label in blue (e.g., for step 1 in the SaaS example, the relevant image section is in the top-left corner).</p><h3>Method 1 - “One Customer”: LTV/CAC</h3><p><strong>SaaS example</strong></p><p>Let’s walk through an example of how to use the Causal model to calculate unit economics for a fictitious B2B SaaS company that sells video conferencing services, billed monthly:</p><figure style="max-width:1600pxpx" class="w-richtext-align-fullwidth w-richtext-figure-type-image"><div><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/62e8769ec161752195007443_PAoU7GixXur9-EDsy5pvptEz0OziOm4Ga2VEFjHHR0byRzCLJv6scgqW-OLMdPR6mZ1NgFtqqgzYUfIrdhiHRMHEVGS5DQx2NFJqubItUZGKEIcTgNPQHQJxW-t0eUTtM0rZcZgjoMVHJfabsAZMOw.png" loading="lazy" alt=""/></div></figure><p><strong>Step #1:</strong></p><ul role="list"><li>Select ‘SaaS’ from the ‘View’ dropdown menu</li></ul><p><strong>Step #2:</strong></p><ul role="list"><li>Enter the number of new customers you gained in the period (in this example, we will use months as the period)</li><li>To get this number, simply subtract the number of customers you had at the beginning of last month from the number of customers you had at the beginning of this month</li></ul><p><strong>Step #3:</strong></p><ul role="list"><li>Enter the new MRR from this period. <em>(Note: MRR stands for Monthly Recurring Revenue, which is calculated by multiplying (a) the number of customers in a given month by (b) the price each customer pays per month)</em></li><li>You can calculate “New MRR in period” by subtracting the MRR in the prior period (in this example, last month’s MRR) from that of this period (i.e., this month’s MRR) </li></ul><p><strong>Step #4:</strong></p><ul role="list"><li>Enter your gross margin %. For this number, you can use the gross margin from your financial statement for the period</li><li>This is usually calculated as (Revenue - Cost of Goods Sold) / Revenue x 100%, and is typically 60-80% for SaaS companies</li></ul><p><strong>Step #5:</strong></p><ul role="list"><li>Enter your total sales and marketing spend this period. You can get this number from your financial statements </li><li>This would include all costs associated with sales and marketing, which typically consist of marketing spend (including paid ads), marketing team compensation, and sales team compensation</li></ul><p><strong>Step #6:</strong></p><ul role="list"><li>Enter your average monthly churn rate %. This is the percentage of existing customers you expect to unsubscribe from your services each month</li><li>One way to estimate this is to divide the number of customers that unsubscribed in a month by the total number of customers at the beginning of that month</li></ul><p><strong>Output:</strong></p><ul role="list"><li>The Causal model will take the inputs above and output the LTV/CAC ratio, as well as CAC Payback Period in months at the top section</li><li>To see CAC, LTV, average MRR, and customer lifetime (in months) individually, refer to the Additional Details section below the main outputs</li></ul><p><strong>DTC example</strong></p><p>Now we’ll walk through an example for a fictitious Direct to Consumer company. Let’s say we’re a company that sells baseball caps, and are looking to understand our unit economics on an annual basis:</p><figure style="max-width:1600pxpx" class="w-richtext-align-fullwidth w-richtext-figure-type-image"><div><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/62e8769ea3097804d17abf69_8efoO5G8dtPwJ0hsmvcZ3qJ33Zlkpy2gb28e75D0-9d-UrgmsNd2ZuWOFqZ3ct1XAxCgoL7vWgf2VliqQjqZPiL37BiT0QULMllgAqsZNPg5o7ilyvgtKIcZNem4cS74jY-qWPSUQQ5CN0ZBzfMPEQ.png" loading="lazy" alt=""/></div></figure><p><strong>Step #1:</strong></p><ul role="list"><li>Select ‘D2C’ from the ‘View’ dropdown menu</li></ul><p><strong>Step #2:</strong></p><ul role="list"><li>Enter the number of total orders and revenue <em>(total orders * revenue per order) </em>you expect in the period. In this example, we will use yearly</li></ul><p><strong>Step #3:</strong></p><ul role="list"><li>Enter your average number of orders per customer for this period</li><li>For example, if we typically see customers make 3 orders per year, we will use that as our input. Note that each order can contain multiple units (i.e., baseball caps in this example)</li></ul><p><strong>Step #4:</strong></p><ul role="list"><li>Enter your average gross margin % per order. The calculation is the same as our SaaS example above (i.e., (Revenue - Cost of Goods Sold) / Revenue x 100%)</li><li>Most DTC companies will target ~50% as a successful gross margin benchmark</li></ul><p><strong>Step #5:</strong></p><ul role="list"><li>Enter the expected lifetime of your customer for the selected period</li><li>In our current example, typical customer lifetime is 2 years (i.e., on average, a customer will make 3 orders per year for 2 years before completely churning)</li></ul><p><strong>Step #6:</strong></p><ul role="list"><li>Finally, enter the number of new customers gained in the period and sales & marketing spend in the period. The calculations here are the same as in Steps 2 and 5 of our SaaS example above</li></ul><p><strong>Output: </strong></p><ul role="list"><li>The Causal model will take the inputs above and output the LTV/CAC ratio, as well as CAC Payback in # of orders at the top section</li><li>To see CAC, LTV, average MRR, and average order value individually, refer to the Additional Details section below the main outputs</li></ul><h3>Method 2 - “One Item Sold”: Contribution Margin</h3><p>We can also use the Contribution Margin calculator to determine the difference between sales price and variable cost per unit for up to 3 separate products at one time:</p><figure style="max-width:1600pxpx" class="w-richtext-align-fullwidth w-richtext-figure-type-image"><div><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/62e8769e76b33d8f5440f407_R1ACNGTnIsL3YCb71mxwgMHflTY3fT-q3pFHnWyFKocHesGo4mlFUvvzqx2Ud-lwCBsqZ0rl3DyYQqfP_q_e2ECLFai9TY05cKE4yR15mghboWlL8l29jeXtL1kjiAMTfMmg3ukOjaNcQgLlMtrnRg.png" loading="lazy" alt=""/></div></figure><p><strong>Step #1:</strong></p><ul role="list"><li>Select ‘Contribution Margin’ from the ‘View’ dropdown menu</li></ul><p><strong>Step #2:</strong></p><ul role="list"><li>Enter the number of products you sold and the revenue in the period. If we are using monthly, enter total # of units sold/month, and revenue/month</li></ul><p><strong>Step #3:</strong></p><ul role="list"><li>Enter your variable cost per product. This is defined as the production cost for each unit produced </li></ul><p><strong>Step #4: </strong></p><ul role="list"><li>You can enter inputs for up to 3 products. Ensure that you have the correct ‘Product #’ selected across all inputs</li></ul><p><strong>Output:</strong></p><ul role="list"><li>The Causal model will take the inputs above and output the Contribution Margin %, as well as the Average Price per product</li></ul><div class="w-embed"><a id="improve-unit-economics"></a></div><h2>How to accurately assess and improve unit economics</h2><p>Improving your unit economics isn’t as simple as raising prices or cutting the cost of inputs. Using the metrics outlined above can help expose levers for you to build a more sustainable path toward profitability over time. Especially in a downturn, it is critical to build long-term solutions and avoid quick fixes. Below are just a few examples of ways you can assess and improve your unit economics:</p><h3>1. Keep all your data in one place</h3><p>Take back control of your financial data, so you’re not digging through 10 identical excel documents for something buried in an email chain. Combine this with real-time visibility and digitized audit trails to make it easy for your accounting department.</p><h3>2. Automate your expense reports</h3><p>Miscategorizing expenses is an easy way to misjudge your unit economics. Tracking expenses, organizing receipts, and compiling expense reports are all tedious jobs that waste your employees’ time. <a href="https://ramp.com/finance-automation/expenses">Expense automation</a> and automated reports can save your employees hundreds of hours each month, time that can be spent on more productive work that will actually move the needle.</p><h3>3. Renegotiate contracts</h3><p>The best business relationships are built on long-term partnerships. Especially as it relates to the suppliers of your input materials, renegotiating contracts can save you money where you least expect it. Look to other companies in your industry for comparable metrics and see if you can identify savings or optimize your deployments.</p></div></div></div></div></div></div></div></section><section class="section-22"><div class="contain-22"><div class="sc-faq-block"><div class="pt-72 pb-40 px-24 px-xl-40 px-sm-16"><h2 class="h2-22">FAQ</h2><div class="mt-48 mt-md-56"><div class="sc-faq-block__faq"><div><div class="sc-faq-block__faq-item-23"><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d88-1b815d87" data-w-id="b23a24bb-6e8a-4859-4708-b64b1b815d88" class="sc-faq-block__question-23"><div class="body-22">What does unit economics mean?</div><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8b-1b815d87" class="sc-faq-block__button"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/648210261d0809f2e7e678bf_expand_more.svg" loading="lazy" width="20" height="20" alt="" id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8c-1b815d87" class="sc-faq-block__plus-23"/></div></div><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8d-1b815d87" class="sc-faq-block__answer-23"><div class="pb-16"><div class="faq-rich-text w-richtext"><p>Unit economics is a method of analyzing the profitability of either a single item sold or a single customer, rather than the profitability of the company as a whole.</p></div></div></div></div></div><div><div class="sc-faq-block__faq-item-23"><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d88-1b815d87" data-w-id="b23a24bb-6e8a-4859-4708-b64b1b815d88" class="sc-faq-block__question-23"><div class="body-22">What does contribution profit mean?</div><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8b-1b815d87" class="sc-faq-block__button"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/648210261d0809f2e7e678bf_expand_more.svg" loading="lazy" width="20" height="20" alt="" id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8c-1b815d87" class="sc-faq-block__plus-23"/></div></div><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8d-1b815d87" class="sc-faq-block__answer-23"><div class="pb-16"><div class="faq-rich-text w-richtext"><p>Contribution profit is the difference between the sale price of an item and the direct, or variable, costs associated with making it.</p></div></div></div></div></div><div><div class="sc-faq-block__faq-item-23"><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d88-1b815d87" data-w-id="b23a24bb-6e8a-4859-4708-b64b1b815d88" class="sc-faq-block__question-23"><div class="body-22">Is CLV the same as LTV and CLTV?</div><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8b-1b815d87" class="sc-faq-block__button"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/648210261d0809f2e7e678bf_expand_more.svg" loading="lazy" width="20" height="20" alt="" id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8c-1b815d87" class="sc-faq-block__plus-23"/></div></div><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8d-1b815d87" class="sc-faq-block__answer-23"><div class="pb-16"><div class="faq-rich-text w-richtext"><p>Yes — CLV stands for customer lifetime value (sometimes also abbreviated as CLTV), whereas LTV stands for lifetime value. Both of these acronyms refer to the same thing: how much net revenue a customer brings in during their entire time as a customer.</p></div></div></div></div></div></div></div></div><div class="bg-color bg-white br-8"></div></div></div></section><section class="section-22"><div class="contain-22"><div class="sc-quadruple-grid"><div class="py-72 px-24 px-xl-40 px-sm-16"><div class="sc-quadruple-grid__header"><h2 class="h3-22">Discover corporate and business credit cards</h2></div><div class="mt-48 mt-sm-24"><div class="sc-quadruple-grid__grid no-indent"><div id="w-node-ecc4c0cb-50a1-fdca-6a87-0ffc817a6773-817a676a" class="sc-quadruple-grid__item"><a href="/startups" class="no-underline w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66e47230244b1eced2f615e3_streamline-finances-2x.webp" loading="lazy" width="2400" height="2400" alt="" class="sc-quadruple-grid-item__img br-8"/></a><div class="sc-quadruple-grid__text"><div class="mt-24"><div class="body-22 strong">Streamline finances and scale your startup with ease</div></div><div class="mt-8"><a target="" data-anchor-link="" data-w-id="b81182dd-00b9-ba32-b531-f612f58c9f54" href="/startups" class="text-link-22 w-inline-block"><div class="text-link-22__inner"><div class="text-link-22__inner-text">Startups</div><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/618430895dacc1028c60e007_arrow-right.svg" loading="lazy" alt="" class="cta-arrow-22"/></div></a></div></div></div><div id="w-node-ecc4c0cb-50a1-fdca-6a87-0ffc817a677c-817a676a" class="sc-quadruple-grid__item"><a href="/small-business" class="no-underline w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66e47ad1fb7f09355c989366_effortlessly-manage-your-small-biz-2x.webp" loading="lazy" width="2400" height="2400" alt="" class="sc-quadruple-grid-item__img br-8"/></a><div class="sc-quadruple-grid__text"><div class="mt-24"><div class="body-22 strong">Effortlessly 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srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6434238203b59cc30fbd2ef1_Best_Business_Card_2x-p-500.webp 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6434238203b59cc30fbd2ef1_Best_Business_Card_2x-p-800.webp 800w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6434238203b59cc30fbd2ef1_Best_Business_Card_2x-p-1080.webp 1080w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6434238203b59cc30fbd2ef1_Best_Business_Card_2x.webp 1600w" class="sc-quadruple-grid-item__img br-8"/></a><div class="sc-quadruple-grid__text"><div class="mt-24"><div class="body-22 strong">Learn how to get a business credit card and take control of your finances</div></div><div class="mt-8"><a target="" data-anchor-link="" data-w-id="b81182dd-00b9-ba32-b531-f612f58c9f54" href="/blog/how-to-apply-for-a-business-credit-card" class="text-link-22 w-inline-block"><div class="text-link-22__inner"><div class="text-link-22__inner-text">Apply for business 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