12 Leading Ramp Alternatives for More Effective Spend Management

Ramp is a popular tool for managing business expenses and corporate cards. In fact, a 2023 study found that 67% of small and medium-sized businesses in the U.S. use digital tools like Ramp to help control their spending and simplify financial processes. These tools help businesses track expenses, save time, and improve financial visibility.

But if you are looking for better rewards, simpler reporting, or other features, there are plenty of Ramp alternatives also available for businesses that might need different features or pricing options.

1. Brex

Brex is one of the top ramp alternatives. It offers a corporate card program with higher credit limits and no personal guarantees, making it appealing for startups and growing businesses.

Brex offers many features similar to Ramp, like corporate cards and expense management. However, Brex also provides additional perks like a rewards program, which makes it an excellent Ramp substitute for businesses that want to earn points on spending.

Key Features:

• Corporate cards with no personal guarantee.
• Rewards program for travel and business expenses.
• Seamless integration with accounting tools like QuickBooks and NetSuite.
• Real-time expense tracking and control.

2. Airbase

Airbase is a comprehensive spend management platform that competes with Ramp by combining corporate cards with procurement and bill payments. Unlike Ramp, which focuses mainly on card management, Airbase provides broader financial controls, including accounts payable and vendor management. For businesses looking for a more all-in-one solution, Airbase is a strong Ramp competitor.

Key Features:

• Corporate and virtual cards.
• Real-time spend visibility and approval workflows
• Integration with major accounting software.
• Invoice management and vendor bill payments.

3. Divvy

Divvy is another well-known competitor to Ramp, offering corporate credit cards and software for managing business expenses. It’s popular for its simplicity and ease of use. Divvy and Ramp both help track company expenses. However, Divvy’s user-friendly interface and straightforward budgeting tools make it an excellent substitute for businesses that want to manage spending easily without a steep learning curve.

Key Features:

• No personal guarantee required for corporate cards.
• Automated expense reporting and approval workflows.
• Budgeting and real-time tracking.
• Integration with QuickBooks and Xero.

4. Spendesk

Spendesk offers a complete spend management platform, including corporate cards, bill payments, and expense reporting. It’s a solid Ramp competitor if you want a tool that goes beyond just card management. Spendesk’s ability to manage both corporate card spending and vendor bills makes it a fantastic alternative for businesses needing a more complete solution for managing their finances.

Key Features:

• Corporate and virtual cards with customizable limits.
• Automated expense tracking.
• Invoice management and approval workflows.
• Integration with accounting software like QuickBooks and Xero.

5. Procurify

Procurify is a spend management tool that combines purchasing and expense tracking. It’s an excellent Ramp competitor for businesses focused on procurement and managing business purchases. While Ramp excels at expense tracking through corporate cards, Procurify is designed for businesses that also need to manage purchase orders and procurement.

Key Features:

• Request and approve purchase orders.
• Corporate credit cards.
• Detailed spend reports and budgeting tools.
• Integrations with popular accounting platforms.

6. Pleo

Pleo is an easy-to-use spend management solution, particularly for small to medium-sized businesses. It focuses on employee spending with both physical and virtual corporate cards. Pleo’s ease of use and simple setup make it a great substitute for companies that need a straightforward solution for employee spending and expense management.

Key Features:

• Corporate cards for employees.
• Automated expense categorization.
• Real-time tracking and reporting.
• Integration with accounting tools like Xero and QuickBooks.

7. Zoho Expense

Zoho Expense is a comprehensive tool for managing business expenses. It offers everything from receipt scanning to reporting and integrates well with Zoho Books and other accounting software. Zoho Expense’s focus on automation and receipt scanning provides additional functionality that Ramp lacks.

Key Features:

• Automated expense tracking.
  Receipt scanning and mobile app.
  Corporate card management.
  Integration with accounting software like QuickBooks and Zoho Books.

8. Expensify

Expensify specializes in expense reporting and receipt tracking. It is a Ramp substitute that’s especially popular with small businesses due to its simplicity. Expensify’s strength lies in its automated reporting and ease of use. If your business needs a simpler, more straightforward solution for managing expenses, Expensify is a great choice.

Key Features:

• SmartScan technology for receipt scanning.
• Automated expense reports and approval workflows.
• Corporate cards and spending control.
• Integration with accounting software like QuickBooks and NetSuite.

9. Rydoo (formerly Xpenditure)

Rydoo offers a global expense management solution with support for multiple currencies and global teams. It’s a Ramp competitor for businesses that operate internationally. Rydoo’s focus on global operations makes it a strong alternative for businesses that need to manage expenses in different currencies and across multiple regions.

Key Features:

• Multi-currency support.
• Corporate cards and virtual cards.
• Real-time expense tracking.
• Receipt scanning and reporting.

10. Truebill

Truebill is an app designed to help you manage subscriptions and recurring expenses. Although it’s typically used for personal finance, it can be a ramp substitute for businesses needing to track and optimize subscriptions. If your business focuses heavily on managing recurring expenses, Truebill is a useful tool for optimizing subscriptions and cutting unnecessary costs.

Key Features:

• Manage subscriptions and recurring payments.
• Set reminders for bill payments.
• Track credit card spending.

11. Soldo

Soldo is a European-based platform that provides prepaid and virtual corporate cards, making it a good Ramp alternative for businesses that need more control over employee spending. Soldo offers features similar to Ramp, but its focus on prepaid cards makes it a better choice for businesses looking to control employee spending more strictly.

Key Features:

• Prepaid corporate cards for employees.
• Real-time tracking and reporting.
• Customizable spending limits.
• Integration with accounting software.

12. Teampay

Teampay is designed to simplify spend management by combining corporate cards, procurement, and vendor management. It’s a Ramp substitute for businesses that want to control both spending and procurement. Teampay offers more comprehensive tools for procurement and budgeting than Ramp. It’s a wonderful competitor for companies needing more control over purchasing and vendor relationships.

Key Features:

• Corporate and virtual cards.
• Purchase order approvals and vendor management.
• Spend management and budgeting tools.
• Integration with accounting software.

In the end, the range of Ramp alternatives shows that businesses have many options to choose from based on their unique needs. Whether it’s better rewards, more financial control, or tools for managing global expenses, the key is to choose the tool that best fits your company’s needs. By doing so, businesses can improve their expense management and make smarter financial decisions for long-term success.