Ramp pairs a Visa corporate charge card with a full spend-management platform: virtual and physical cards with per-employee or per-vendor rules, automated receipt matching, accounts payable, travel booking, procurement, and direct GL coding into QuickBooks, Xero, NetSuite, or Sage Intacct. For HVAC shops growing past 5-10 employees, Ramp replaces the spreadsheet-plus-email receipt chase with a system where every transaction is automatically categorized, coded, and routed to the right approver before it hits the books.
The card earns up to 1.5% cash back on eligible purchases (exact rate varies by account), with rewards posting as statement credits within 1-2 billing cycles. Unlike most business cards, Ramp requires no personal credit check and no personal guarantee - underwriting is based on business bank balance (typically $25,000+ in a U.S. business account) and revenue. That's a meaningful benefit for HVAC owners who'd rather not personally guarantee six figures of charge card exposure as the shop grows.
Ramp also includes $350K+ in partner discounts across software and services HVAC shops use (Gusto, Slack, AWS, Uber, etc.), automated savings insights, and spend-controls that block out-of-policy purchases before they happen. The underlying card is a Visa corporate charge card (balance due in full each cycle), which means there's no revolving APR, no interest, and no late fees - but also no ability to carry a balance. Ramp is privately held, founded in 2019, and based in New York City.