Ramp

## How do Ramp's bank integrations help businesses with working capital obligations?

For businesses that do not have excess money in the bank due to working capital obligations such as inventory, marketing, and shipping, Ramp's integrations with banks including First Citizens Bank, IBC Bank, Old National Bank, South State Bank, Bank of Washington, United Community Bank, Level One Bank, ServisFirst Bank, and First Utah Bank provide access to higher and more accurate credit limits. These credit limits are often up to 20 times higher than those offered by traditional financial institutions. Ramp achieves this by connecting bank accounts with commerce platforms like Shopify and Stripe, enabling better credit assessments and limits tailored to the business's operational needs.