Ramp

## What credit limit advantages does Ramp provide through its bank integrations?

Ramp provides significantly higher credit limits—often up to 20 times greater than those offered by traditional financial institutions—by connecting to users' bank accounts and commerce platforms such as Shopify and Stripe. This integration allows Ramp to perform precision underwriting based on real-time financial data and working capital obligations, enabling businesses to access more accurate and larger credit limits across numerous banking partners including First Citizens Bank, Bank of Washington, People's United Bank, First Republic Bank, East West Bank, US Bank, and many others.