The spend management platform for mid-size teams (customizable virtual cards, budgeting, auto-reconciling, and expense reimbursement).
Ramp is one of the clear leaders in the spend/expense management, budgeting space, and accounting automation space (Oh and it's totally free 👀)
They have a great UI/UX, tons of reporting/insights features, and a super clean and fast search functionality to find exactly what you're looking for:
You need to have $75k sitting in your business bank account at the time of applying in order to be approved.
Ramp has the same virtual card functionality (and physical cards for employees). You'll want to spin up a virtual card for each company you use with Ramp, and you can even restrict (lock) these cards to a specific merchant.
Ramp business corporate cards have unlimited 1.5% cash back, which is quite good (slightly higher than BILL).
Ramp is more so for larger teams, think a distributed remote team with employees all over the world. But with more employees, comes more need for insights and data on spending. Ramp allows you to see your company's spend all in one place. Further, they have AI insights which will alert you of cost saving opportunities like duplicate subscriptions, sudden increases in spend, and possible lower pricing plans available. We think this is super cool, and is a big reason why we'd recommend Ramp for teams with 30-40+ employees.
One bit that I noticed when using Ramp is that they are a bit more focused on SMS interactions instead of having a fully-featured mobile app (unlike that of Divvy for example). Ramp only has an iOS app and it's mainly just for taking photos of receipts and matching transactions.
This might be a positive for those who have employees that aren't as tech-savvy, and you just need them to text a receipt in for it to tie to the expense management side of things (something that Divvy doesn't allow for).
All-in-all, they are focused a bit more broadly than that of BILL Spend & Expense (Divvy), moving more into the accounting automation side of things and integrating with a few more accounting tools natively. They really have an impressive suite of tools.
If you're a larger team, apply for Ramp using this link. Just remember, you need to have $75K in your bank account to get approved.
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There is currently no promo code for this app but we are close partners, so if you use the link above to visit the site and then let their team know that Efficient App sent you, you may just get a little something... extra 😉
There is currently no promo code for this app—we'll update it here if that changes in the future!
Get $250 if you're approved after using the link (button) above to sign up.
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Rippling lets you easily manage your employees’ payroll, benefits, expenses, devices, apps & more—in one place.
Companies usually come to Rippling when they are looking for payroll. They then end up moving to HR, Cloud IT Cloud, and Finance Cloud.
They are the definition of an all-in-one tool for this category, in that they are trying to replace Gusto for Payroll, and Ramp/BILL Spend & Expense for expense management.
They are also looking to replace your time tracking software like Harvest and Toggl although when comparing it to the best time tracking software on the market, it has a lot to be desired. What they are specifically going after is the time tracking that rolls into Payroll.
While this is something that Gusto and QBO can both do, it's just not recommended as time tracking should be a function of billing/project management more than solely for payroll. Although if you feel the reverse, one of these 3 tools might be what you're looking for!
The nice thing is that that you can set up some parameters like employees can only start tracking their time if they are within a pre-set geo location, ensuring that they are indeed in the office.
They also let you go quite granular in terms of time policies, you can set them up for breaks, overtime, etc.
You're brought through an onboarding process, where you'll mark in any direct reports, which will automatically determine all of the policies for those employees.
This rolls into anything from the HR side.
They even allow you to purchase computers through them to simplify the process. It will come with all of the applications pre-installed software-wise, they will actually set up those licenses for you, e.g. Asana, Expensify, etc.
They've even gotten to the extent of building their own password manager, to compete with Dashlane, having more control over password management. They call it RPass—this is how they can have more onboarding control of giving new. So you can use something like Dashlane with Ripple, you just lose the integration of it spinning up a new account.
You can stick with Expensify or Ramp and sync over all of the expenses per employees, pulling it all in.
You need to be careful as to what this really means when it comes to expectations though
This integration is more focused on the employee expense reimbursement tracking, they very much see themselves as a competitor to Divvy, Ramp, or Expensify when it comes to the expense management and budgeting side of things.
Gusto vs Rippling, Ramp vs Rippling
LastPass: Create accounts, Destroy, and manage groups
As you grow, you'll just see more operational efficiencies by using everything within Rippling, so they are definitely building integrations just to.
Creating accounts, managing licenses, and even the ability to build custom applications.
When comparing Rippling to Gusto, they are a bit more expensive, but more flexible regarding the pricing.
As always, at the end of the fiscal quarter, many companies like this are willing to give discounts if you book in at the end of a quarter (can expect like a 30% discount). You'll be sitting in around ~$30/mo per person + $70/mo base.
You can view their SMB pricing without speaking to a representative (they hide it quite a bit).
If you pay for the subscription, there is no cost per (like running payroll), it's all inclusive.
This tool as a whole fits into the "all-in-one" category, but more in the HR
When purchasing Rippling, you're just selecting what you need, so you can start small and scale with it, although it's clear they want you to grow on their platform, getting lock-in to do everything within their platform.
They work with companies of all sizes, but they are definitely more in search for larger enterprises and to offer the entire cohesive solution.
There is currently no promo code for this app but we are close partners, so if you use the link above to visit the site and then let their team know that Efficient App sent you, you may just get a little something... extra 😉
There is currently no promo code for this app—we'll update it here if that changes in the future!
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