Ramp Cofounders Karim Atiyeh (sab laug) thiab Eric Glyman (txoj cai) tau tsim lub tuam txhab credit card pib tsuas yog peb xyoos dhau los thiab tau pib nws txoj cai raws li tus kab mob sib kis tau pib thoob plaws Asmeskas.
Nruab nrab kem thiab Romina Hendlin
Three-xyoo-laus fintech Ramp yog qhov kev pib tshiab tshiab uas tsom mus rau nyiaj ntsuab ntawm kev yuav tam sim no them tom qab boom-ntxiv cov kev pabcuam zoo sib xws rau kev them nyiaj rau kev lag luam-rau-kev lag luam rau nws daim npav tuam txhab lag luam thiab kev tswj hwm kev siv nyiaj. Raws li qhov kev thov tshiab, Ramp them cov neeg muag khoom ua ntej, tab sis cov lag luam uas tshuav daim nqi tuaj yeem ncua nws cov nyiaj them rau ntau li 90 hnub.
Tshaj tawm rau hnub Tuesday, Ramp qhov kev pabcuam Flex tshiab tau them tus nqi qis rau cov neeg siv khoom lag luam rau cov ntawv xa nyiaj thiab tom qab ntawd them rov qab cov nyiaj hauv 30, 60 lossis 90 hnub - zoo li cov tuam txhab xws li Affirm, Klarna thiab AfterPay tau ua rau cov neeg siv khoom yuav khoom ntawm txhua yam ntawm khaub ncaws. rau laptops. Hauv kev xam phaj, Ramp CEO Eric Glyman tau hais tias cov nqi yuav nyob ib ncig ntawm 1% mus rau 2% rau 30-hnub. Qee cov neeg siv khoom tuaj yeem tuaj yeem them ib feem ntawm tus nqi ntawd nrog kev txo nqi lawv cov neeg muag khoom muab rau kev them nyiaj sai. Zoo li Ramp daim npav, cov kev txwv yuav nyob ntawm tus neeg siv khoom qhov creditworthiness.
Qhov kev muab tsim los ntawm Ramp's Bill Them cov kev pabcuam, uas ua haujlwm them nyiaj los ntawm kev siv cov kev txawj ntse los ua cov ntawv xa email hauv vib nas this thiab tom qab ntawd pom zoo them nyiaj ntawm credit card, ACH lossis kos. Glyman sau Bill Pay yog Ramp qhov kev loj hlob sai tshaj plaws tsis tau. Tom qab pib lub Kaum Hli Ntuj dhau los, nws tsuas yog siv rau lub hlis kom tshaj $ 1 nphom hauv ib xyoos ib zaug, tsawg dua li ib nrab ntawm lub sijhawm nws coj Ramp daim npav hla dhau qhov pib. Cov npav rho nyiaj tseem yog Ramp cov khoom lag luam nrov tshaj plaws, nrog ntau dua $ 5 nphom hauv cov khoom lag luam txhua xyoo, tab sis Glyman hais tias ntawm tus nqi Bill Them tau loj hlob, nws tuaj yeem tshaj daim npav ntim sai li sai tau rau xyoo tom ntej.
Kev yuav tam sim no, them nyiaj tom qab kev lag luam tau tawg nyob rau hauv qhov chaw nyob rau xyoo kaum xyoo dhau los, thiab nce ntxiv nyob rau xyoo tas los no. Kev muag khoom tau txais nyiaj txiag los ntawm cov neeg ua si zoo li Affirm thiab Afterpay tau kwv yees tias yuav ntaus $ 181 nphom xyoo no, ze li ob npaug ntawm $ 93 nphom hauv 2020. Kev txais yuav hauv kev lag luam-rau-kev lag luam, txawm li cas los xij, tsis tau nrawm heev, Greylock investor Corinne Riley sau nyob rau hauv ib qho kev tshaj tawm tsis ntev los no, ntxiv tias cov txheej txheem them nyiaj ntau uas muaj nyob hauv B2B kev lag luam tseem "cumbersome" thiab bogged los ntawm "kev ua haujlwm" nyiaj txiag txoj kev.
Riley sau tseg ntau qhov kev lag luam-rov qab pib-xws li Balance, Slope thiab Vartana-tau pib tackle B2B yuav tam sim no, them nyiaj tom qab. Tab sis nws piav qhia txog kev lag luam tseem yog "thaum ntxov innings" thiab cia siab tias kev saws me nyuam yuav loj hlob raws li kev lag luam nce pauv nyiaj hauv online.
Glyman hais tias lub sijhawm zoo li loj heev rau Ramp, uas tau muab npe rau Forbes ' Fintech 50 Cov nyob rau lub Rau Hli rau xyoo thib ob sib law liag. Nws sau tseg tsuas yog $ 1.5 trillion ntawm kwv yees li $ 120 trillion hauv kev them nyiaj B2B txhua xyoo tau ua tiav ntawm daim npav rho nyiaj, thiab nws pom tias Flex tshiab muab tshwj xeeb rau cov tuam txhab hauv kev lag luam e-lag luam, kev tsim kho, thiab kev lag luam tsim khoom, uas feem ntau yuav tsum them nyiaj ntau. cov nyiaj ua ntej los ntsuas kev ua haujlwm thiab muaj kev txwv tsis pub siv nyiaj rau cov nqi ua ntej.
Ata lub sij hawm thaum cov tuam txhab muaj kev txhawj xeeb ntau ntxiv txog kev pom kev lag luam tsis zoo, qhov tshwj xeeb yog cov nyiaj tau los tshiab rau Ramp, uas ua rau cov nyiaj tau los ntawm kev siv me me ntawm cov nqi qiv nyiaj rau cov tub lag luam. Fintechs tshwj xeeb, zoo li ntau ntawm cov thev naus laus zis dav dav, tau tawm tsam, nrog cov koom haum ntawm cov tuam txhab xws li Affirm thiab Upstart tumbling ntau npaum li 80% xyoo no.
Glyman sau ntawv cov tuam txhab tau siv nyiaj ntau dua, tab sis cov cwj pwm hloov pauv sai. Ramp cov neeg siv khoom siv ze li ntawm 60% ntau dua rau qhov chaw nyob hauv thawj peb lub hlis twg, piv rau ib xyoos ua ntej-xav txog kev xav tau kev mus ncig, Glyman hais. Tab sis kev siv nyiaj rau kev tshaj tawm poob los ntawm 14% hauv qhov muaj peev xwm kos npe ntawm kev ntsuas tus nqi. Kev siv hluav taws xob hauv hluav taws xob kuj tau poob qis - qhov muaj peev xwm qhia tau tias cov tuam txhab txiav rov qab rau kev ntiav neeg ua haujlwm thiab pib ua haujlwm, nws hais ntxiv.
Raws li rau Ramp, Glyman hais tias nws tsis qeeb. Lub tuam txhab, uas tau nqis peev $ 8.1 nphom tom qab kev nqis peev hauv lub Peb Hlis, tshaj tawm ib lub hlis loj tshaj plaws ntawm cov ntaub ntawv nyob rau lub Rau Hli, nrog kev lag luam nce 38% txij lub Tsib Hlis ua tsaug rau ib feem ntawm kev nce peb zaug ntawm cov neeg siv khoom lag luam. Ramp yuav tsis nthuav tawm cov nyiaj tau los tab sis tam sim no suav ntau dua 7,000 lub lag luam - suav nrog cov vaj tsev loj heev Douglas Elliman, fintech Marqeta thiab software tuam txhab Anduril thiab Webflow - raws li cov neeg siv khoom, ntau dua peb npaug ntawm suav ib xyoos dhau los. Nyob rau tib lub sijhawm, Ramp tus neeg ua haujlwm headcount tau nce los ntawm 150 txog 370.
Glyman khav theeb lub tuam txhab tau pib ua tiav thaum lub sijhawm ntxov ntawm kev sib kis thiab tuaj yeem ua tau zoo nyob rau lub sijhawm tsis paub tseeb vim nws txuag nyiaj lag luam. Txhawm rau hnov Ramp qhia nws, nws cov kev tswj hwm kev siv nyiaj tau txuag $ 200 lab rau cov neeg siv khoom nrog nws cov lus pom zoo. "Peb cov lus pom zoo ntawm kev txuag nyiaj thiab txuag lub sijhawm tau cuam tshuam ntau dua thaum muaj kev sib kis thoob ntiaj teb, thiab nws ib txwm muaj teeb meem, tab sis nws tau siv lwm qhov tseem ceeb tshwj xeeb vim kev ua lag luam tau hloov pauv ntau," nws hais.
Tau qhov twg los: https://www.forbes.com/sites/jonathanponciano/2022/08/23/fintech-ramp-dives-into-buy-now-pay-later-market-with-new-flex-offering-for- lag luam/