Turned down by Brex's strict VC/cash underwriting or tired of points? See why CFOs switch to Ramp ($0/mo + 1.5% cashback + free ERP sync).
Why Switch to Ramp: Accepts US businesses with $25k+ cash, includes ERP sync on its $0/mo tier, and pays up to 1.5% flat cashback. Ramp is a no-brainer for qualifying B2B companies—replacing Expensify and Bill.com for $0/month while actively cutting SaaS vendor waste.
Why Switch to FreshBooks: Best companion/alternative for service agencies that need client invoicing, retainer billing, and time tracking. FreshBooks is the premier accounting and billing platform for B2B service agencies, consultancies, and professional service firms.
When Brex shifted its focus toward large venture-backed and multinational enterprises, thousands of profitable US SMBs and mid-market companies looked for a modern corporate card and AP automation platform that treats non-VC businesses as first-class citizens. Ramp has captured that market with transparent cashback and forensic accounting automation.
Yes. Ramp does not require institutional venture capital backing; any US-registered corporation or LLC with at least $25,000 in a US business checking account is eligible for underwriting.
FinTech, HRIS & SaaS TCO Economist • CPA • Former Enterprise FP&A Lead
David models 3-year Total Cost of Ownership (TCO), hidden implementation fees, global payroll FX spreads, and seat-expansion economics for mid-market CFOs.