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(!rightMenu.contains(e.target)) { rightMenu.classList.remove("visible"); document.body.style.removeProperty("pointer-events"); } }); const changeCopy = () => { if (copied) { copySVG.querySelector(".detail-22").textContent = ".SVG copied!"; } else { copySVG.querySelector(".detail-22").textContent = "Copy .SVG"; } }; // copy svg code copySVG.addEventListener("click", async () => { try { await navigator.clipboard.writeText(rampLogoSVG); copied = true; changeCopy(); setTimeout(() => { copied = false; changeCopy(); }, 2000); } catch (err) { console.error("Failed to copy!", err); } }); }); </script></div></div><nav role="navigation" 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 flex-md-col"><div class="mini-grid-25"><div class="mini-grid-column-25"><div class="nav-column-title-24">Products</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="/corporate-cards" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2b9ec764d190ca83f092_credit-card.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Corporate Cards</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">Control spend before it happens.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/accounts-payable" class="nav-25-link 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"]'); 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class="max-w-580"><div class="py-56"><h1 class="h2-22">Startup Financial Models: Why they matter and how to build them</h1><div class="mt-16 mt-xl-24"><div class="sc-hero-block__subheading c-text--light--body">Forecasting is critical to any startup’s financial health. Learn more and access our free financial model template below.</div></div><div class="mt-32"><div data-no-personal-email="true" class="get-ramp-form-22 w-form"><form id="free-tool-form" name="email-form" data-name="Email Form" method="get" class="get-ramp-form-22__inner" data-wf-page-id="64638e12b3757911c3b85f82" data-wf-element-id="b6d4691b-b7db-3072-1d7b-436f5ce569ee"><div class="spacer-8"><div class="get-ramp-form-23__input-wrapper"><input class="get-ramp-form-23__email-input w-input" maxlength="256" name="Email" data-name="Email" placeholder="What's your work email?" type="email" id="work-email" required=""/><div id="w-node-b6d4691b-b7db-3072-1d7b-436f5ce569f2-c3b85f82" class="w-embed"><input type="submit" value="Download free model" data-wait="Please wait..." id="submit-email" class="get-ramp-form-23__submit button-loud w-button" style="height: auto; width: 100%;" ></div></div><div data-form-element="error-message" class="get-ramp-error-msg-22">Error Message</div></div></form><div class="w-form-done"><div>Thank you! Happy modeling!</div></div><div class="w-form-fail"><div>Oops! Something went wrong while submitting the form.</div></div></div><div class="flex flex-cgap-16 flex-xs-col flex-rgap-16"><a href="#" class="button-large-22 button-solar-23 w-inline-block w-condition-invisible"><div class="button-text-22">Download free template</div></a><a href="#" class="button-large-22 button-outline-dark w-inline-block w-condition-invisible"><div class="button-text-22 w-dyn-bind-empty"></div></a></div></div></div></div></div></div><div class="lead-gen-tool__article"><div class="lead-gen-tool__article-inner"><div class="pos-rel"><div class="py-48 px-24 px-xl-40 px-sm-12 w-condition-invisible"><img loading="eager" width="768" height="768" src="" alt="" class="sc-hero-block__image w-dyn-bind-empty"/></div><div class="py-56 px-24 px-xl-40 px-sm-12"><div href="" class="rich-text-22 w-richtext"><p>Goal setting and tracking is the backbone of every successful business. Access our free startup financial model template here, and read on to dive into the what, why, and how of financial modeling for startups.</p><p><strong>Jump to: </strong></p><ul role="list"><li data-anchor-link="section-1"><a href="#">What is a startup financial model?</a></li><li data-anchor-link="section-2"><a href="#">What components should a startup financial model contain?</a></li><li data-anchor-link="section-3"><a href="#">Ramp’s free three-statement model template for startups</a></li></ul><h3 data-anchor-target="section-1">What is a startup financial model?</h3><p>Forecasting across key metrics, such as revenue and core expenses, helps teams ensure they are marching in the right direction, holds functional teams accountable, allows finance leads to calculate runway, and helps founders make strategic decisions for their business. A <strong>startup financial model </strong>is an essential tool that numerically represents a startup’s strategy, vision, and goals across KPIs. </p><h3 data-anchor-target="section-2">What components should a startup financial model contain?</h3><p>The exact metrics forecasted may differ slightly based on your startup’s core business, but at a minimum, startup financial models should include revenues, customer count, expenses, and runway. One of the most common types of financial model is a <strong>three-statement model</strong>, which links an income statement, balance sheet, and cash flow statement into one dynamically connected model.</p><p>Forecasts should be based on growth assumptions applied on historical data, and teams should pressure test assumptions made around growth rates and conversion rates. The higher level of confidence you have in your forecast, the more strategic you can be when planning based on projected financials. If you have limited historical data, or other reasons to believe your internal data will not accurately inform assumptions, we recommend using industry benchmarks.</p><p>In early stages, focusing forecasts on near-term revenue, customer, and cost projections helps teams narrow in on what matters. However, as a startup evolves, forecasting will get more nuanced as different divisions run their own P&L and hiring processes and teams start to look at additional metrics. Regardless of the size of your startup, these forecasts will play a critical role not just in internal planning, but also in VC fundraising, as they will drive all conversations around financial projections and due diligence. </p><h3 data-anchor-target="section-3">Ramp’s free three-statement model template for startups</h3><p>It’s clear that a startup financial model is essential for your business, but it can be tedious to build one out from scratch. That’s why the team at Ramp has built a template for you to get started, with the ability to modify as needed. Go ahead and <a href="#" data-anchor-link="get-model">click here to get started</a>.</p><h3>How to navigate our free startup financial model template</h3><p>If you’ve never seen a three-statement model before, or spent much time digging into one, they can be confusing and overwhelming. We’ve added comments throughout the template to make navigation as easy as possible, but you can find more detailed instructions on how to make sense of the model, and apply it to your business, below.</p><h3>Model layout</h3><ul role="list"><li>The template is broken out into a ‘Model Summary’ tab, which contains the three-statement model, including all inputs and outputs, and a ‘Headcount Census’ tab.</li><li>While not used directly in the Model Summary tab, the Headcount Census tab can be used to model headcount expenses.</li><li>All inputs are highlighted yellow, and the rest of the model will update dynamically.</li></ul><h3>Navigating the Model Summary tab</h3><ul role="list"><li>The Model Summary tab is broken out into an Income Statement, Cash Flow Statement, and Balance Sheet.</li><li><strong>Income Statement </strong>- illustrates total profit or loss over a period of time. Informed by user revenue and expense assumption inputs </li><li><strong>Cash Flow Statement </strong>- illustrates how much cash and cash equivalents (CCE) are generated and used during a given time period</li><li><strong>Balance Sheet</strong> - states total assets, liabilities, and shareholders' equity at a specific point in time, offering a comprehensive view into a business’ financial position </li><li>Revenue and expense inputs will inform the model output, so aim to maximize level of confidence in projections. You can reference the Headcount Census tab to inform payroll expenses in detail.</li></ul><h3>Additional tips</h3><ul role="list"><li>The model is structured towards a B2B SaaS that tracks financial performance monthly and annually, but you can leverage the general structure as a starting point and adjust to fit your needs.</li><li>We strongly recommend spending time getting familiar with the model and understanding how all components of a three-statement model work together.</li></ul></div></div></div></div></div></div><div class="bg-color bg-surface--graylight"></div></section><div><div class="spacer-24 mobile-12"><div id="bottom-cta" class="section-22"><div class="contain-22"><div class="py-72 py-sm-48"><div class="bottom-cta-wrapper"><div class="mb-24"><div class="text-color white"><h2 class="h4-22 center-aligned">Learn how Ramp strengthens your finances</h2></div></div><div class="get-ramp-form-22 w-form"><form method="get" class="get-ramp-form-22__inner" data-get-started-form="true" name="email-form" data-name="Email Form" cvr-component="page_bottom_cta" data-low-intent-form-id="" discovery-method-details="" zapier-webhook="" id="email-form" data-allow-personal-emails="" discovery-method="" data-wf-page-id="64638e12b3757911c3b85f82" data-wf-element-id="c2c28d00-719f-267a-ebe0-f770b5effe44"><div class="spacer-8"><div class="get-ramp-form-23__input-wrapper input-dark"><input class="get-ramp-form-23__email-input input-dark w-node-c2c28d00-719f-267a-ebe0-f770b5effe47-b5effe43 w-input" maxlength="256" name="Email" data-name="Email" placeholder="What's your work email?" type="email" id="Email" required=""/><input type="submit" data-wait="Please wait..." data-cta-element="cta-button" class="get-ramp-form-23__submit button-loud w-button" value="Get started for free"/></div><div class="text-center"><div data-form-element="error-message" class="get-ramp-error-msg-22">Error Message</div><div data-form-element="credit-check-message" class="no-credit-checks-22 c-text--dark--hushed"> </div></div></div></form><div class="w-form-done"><div>Thank you! Your submission has been received!</div></div><div class="w-form-fail"><div>Oops! Something went wrong while submitting the form.</div></div></div></div></div><div class="bg-color bg-surface--smolder"></div></div></div><section class="section-22"><div class="contain-22 px-xs-0"><div class="sc-large-quote-block"><div class="bg-color bg-white br-8"></div><div class="py-128 py-sm-80"><div class="sc-large-quote-block__inner text-left-sm"><div class="px-72 px-sm-12"><img loading="lazy" width="512" height="512" src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/64b170c4505e4ce593158519_Alex%20Song.jpeg" alt="" sizes="100vw" srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/64b170c4505e4ce593158519_Alex%20Song-p-500.jpeg 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/64b170c4505e4ce593158519_Alex%20Song.jpeg 512w" class="quote-profile__image"/><div class="mt-16"><div class="flex flex-jcenter flex-sm-jstart"><div class="max-w-540"><div class="text-color"><div class="sc-large-quote-text">“Having seen Ramp grow from a small team of 30 to now over 500, I deeply appreciate how important planning and managing expenses are. Every company and every finance team needs a 3 statement financial model in order to understand on the business words, its main drivers, and the relative sensitivities of various inputs into the business. This is a neat tool that can get teams started on that operating model exercise. ”</div><div class="mt-16 mt-sm-24"><div class="sc-large-quote-endorsement left-sm"><a href="https://ramp.com/authors/alex-song" class="text-link-22 w-inline-block"><div class="body-22 strong">Alex Song</div></a><div class="body-22">VP, Finance & Capital Markets, Ramp</div></div></div></div></div></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">Which financial metrics are VCs most interested in?</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>VCs and angel investors are going to want to see your core projected business metrics - revenues, costs, customers - regardless of how mature your startup is. However, as your startup matures, the list of metrics investors are interested in seeing also grows. You can view our full list of recommended metrics, and access our list of <a href="https://ramp.com/pitch-deck-metrics">100+ free startup pitch deck examples, here</a>.</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">Why is it important to have an accurate forecast?</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>Financial projections are often used to inform nearly all short-term and long-term planning for a business. Tactically, under-forecasting can lead to teams leaving strategic growth levers untapped, and over-forecasting can lead to frustrated teams, mismanaged cash flow, and ultimately more adverse cost-cutting measures.</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 if this template isn’t directly applicable to my business?</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>Every startup is different, which means the specifics of every startup financial model is different. Our free tool is more targeted towards B2B SaaS businesses, and while we’ve tried to keep the template as applicable as possible to a wide range of startups, it’s not a silver bullet. We recommend using this template as a starting point and making adjustments as needed, as nobody knows your business better than you do. You can even learn more about the best way to create your balance sheet by reading the <a href="https://ramp.com/blog/how-to-create-a-balance-sheet-a-step-by-step-guide">Ramp Team’s deep dive here</a>.</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 manage your small business finances</div></div><div class="mt-8"><a target="" data-anchor-link="" data-w-id="b81182dd-00b9-ba32-b531-f612f58c9f54" href="/small-business" class="text-link-22 w-inline-block"><div class="text-link-22__inner"><div class="text-link-22__inner-text">Small business</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-6a87-0ffc817a6785-817a676a" class="sc-quadruple-grid__item"><a href="/corporate-cards" class="no-underline w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66e47ab1befda7ff37c4ac22_seamlessly-manage-your-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">Seamlessly manage your business spending and save time and money</div></div><div class="mt-8"><a target="" data-anchor-link="" data-w-id="b81182dd-00b9-ba32-b531-f612f58c9f54" href="/corporate-cards" class="text-link-22 w-inline-block"><div class="text-link-22__inner"><div class="text-link-22__inner-text">Corporate cards</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-6a87-0ffc817a678e-817a676a" class="sc-quadruple-grid__item"><a href="/blog/how-to-apply-for-a-business-credit-card" class="no-underline w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6434238203b59cc30fbd2ef1_Best_Business_Card_2x.webp" loading="lazy" width="1600" height="1600" alt="" sizes="(max-width: 479px) 88vw, (max-width: 767px) 93vw, (max-width: 991px) 44vw, (max-width: 1279px) 22vw, 21vw" 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 credit card</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></div></div><div class="bg-color"></div></div></div></section></div></div></div><div class="page-footer"><div class="contain-22"><div class="footer-top-links"><a id="w-node-fe6c0180-9ea3-1818-2e12-c2a72ffcaaa4-ea1092bf" href="/about-us" class="footer-box-title-22 no-margin">About us</a><a id="w-node-b5faf1ac-d7be-e90f-ba0b-7b77ef00f726-ea1092bf" href="/why-ramp" class="footer-box-title-22 no-margin">Why Ramp</a><a id="w-node-fe6c0180-9ea3-1818-2e12-c2a72ffcaaa6-ea1092bf" href="/careers" class="footer-box-title-22 no-margin">Careers</a><a href="/emerging-talent" class="footer-box-title-22 no-margin">Emerging talent</a><a id="w-node-fe6c0180-9ea3-1818-2e12-c2a72ffcaaa8-ea1092bf" href="/customers" class="footer-box-title-22 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