Comparison
SKOOR vs Ramp: Which Corporate Card is Right for Your Business?
Both platforms offer corporate cards, expense management, and bill pay. The difference is who they serve and how they qualify you.
169,000+ businesses scored
Editor's Pick: SKOORNo minimum balance required. Free forever. Get your card in under 2 minutes.
The Bottom Line
Ramp is excellent for funded startups with $25K+ in the bank. SKOOR is the only comparable platform for the 20 million+ sole proprietors and micro-businesseslocked out by Ramp's balance requirement. Same features, no floor. Your credit limit grows with your SKOOR score, not your bank balance.
The Quick Answer
Ramp is built for funded startups and mid-market companies with $25K+ in a US business bank account. SKOORis built for sole proprietors, micro-LLCs, and service businesses who don't meet that threshold.
If you have $25K in a US business bank account and need travel bookings, Ramp is excellent. If you don't have $25K, or you're a sole proprietor, or you want a business credit score that grows with you — SKOOR is the best Ramp alternative available today.
Who Each Platform Serves
Ramp requires three things to qualify: an LLC, Corporation, or LP (no sole proprietors), a US business bank account with at least $25,000 verified through Plaid, and a company that generates revenue. Brex is even stricter at $50,000.
That $25K floor locks out roughly 15 million sole proprietors and 5 million micro-businessesin the US alone. These are plumbers, cleaners, property managers, freelancers, and small service businesses that need corporate cards and expense management but can't qualify.
SKOOR serves this market. There's no minimum balance. Sole proprietors qualify. Your credit limit is based on your SKOOR Business Health Score (0-1,000), which starts building from your first transaction and grows as you use the platform.
Side-by-Side Comparison
| Feature | Ramp | SKOOR |
|---|---|---|
| Minimum balance | $25,000 | $0 |
| Business types | LLC, Corp, LP only | LLC, Corp, LP, Sole Proprietors |
| Qualification method | Bank balance (Plaid) | Business Health Score (0-1,000) |
| Free tier | Yes | Yes |
| Plus tier | $15/mo/user | $15/mo/user |
| Corporate cards | Unlimited | Unlimited |
| Expense management | Yes | Yes |
| Bill pay (ACH, check, wire) | Yes | Yes |
| AI expense review | Plus only | Yes (all tiers) |
| Business credit score | No | Yes (0-1,000, 3 pillars) |
| AI agent per business | No | Yes |
| Statement analyzer | No | Yes (free) |
| Interchange-plus processing | No | Yes |
| See spend + earnings | Spend only | Both sides |
| Advisor console | Yes | Yes |
| QuickBooks / Xero | Yes | Yes |
| Score-based credit limits | No (bank balance) | Yes (dynamic) |
| Travel bookings | Yes | Coming soon |
| Procurement | Plus only | Coming soon |
Pros and Cons
Ramp
SKOOR
What SKOOR Does That Ramp Doesn't
1. Business Health Score (0-1,000)
Ramp doesn't score your business. SKOOR gives you a three-pillar score that measures your AI agent behavior, merchant processing health, and business credit. This score replaces the bank balance as your qualification gate. As your score improves, your credit limits increase automatically — no paperwork, no calls. Learn how scoring works.
2. Both Sides of Your Money
Ramp only sees what you spend. SKOOR sees what you spend (corporate card, expense management) AND what you earn (interchange-plus payment processing). This gives you a complete financial picture that no other platform provides below the $25K floor. Your accountant sees everything in one dashboard.
3. Free Statement Analyzer
Upload your current processing statement and see exactly how much you're overpaying in 60 seconds. Most small businesses overpay by 15-40% on card processing fees. The analyzer is free and doesn't require a SKOOR account. Try the analyzer.
4. Sole Proprietors Welcome
Ramp requires an LLC, Corporation, or LP. If you're a freelancer, consultant, or sole proprietor, you can't qualify — period. SKOOR serves sole proprietors with no EIN required. You sign up, get scored, and get your card.
5. AI Agent for Every Business
Every SKOOR business gets a dedicated AI agent that reviews expenses, flags duplicates, categorizes transactions, and makes proactive savings recommendations. On the Free tier. Ramp's AI features require the Plus tier ($15/mo/user).
What Ramp Does That SKOOR Doesn't (Yet)
Travel bookings. Ramp has built-in travel booking with negotiated hotel and flight rates, policy controls, and receipt auto-matching. SKOOR doesn't have a travel product yet — it's on the roadmap for 2027.
Procurement. Ramp Plus includes intake workflows, purchase order management, three-way matching, and vendor compliance reviews. SKOOR's procurement features are planned but not yet available.
Enterprise ERP integrations. Ramp Enterprise connects to Workday, Oracle Fusion Cloud, and Microsoft Dynamics. SKOOR currently supports QuickBooks Online and Xero, with NetSuite and Sage Intacct on Plus.
Still deciding?
Try SKOOR free — no credit check, no minimum balance, no commitment. See your Business Health Score in 60 seconds.
Who Should Use Which?
Use Ramp if:
- You have $25K+ in a US business bank account
- You need built-in travel bookings
- You use Workday or Oracle for accounting
- You need procurement workflows with PO management
Use SKOOR if:
- You don't have $25K in the bank
- You're a sole proprietor or micro-LLC
- You want a business credit score that grows with you
- You accept card payments and want interchange-plus pricing
- You want your accountant to manage your books from one portal
- You want an AI agent reviewing every expense on the Free tier
Pricing Comparison
Both platforms offer a Free tier and a Plus tier at $15/mo/user. The difference is in qualification: Ramp's Free tier requires $25K in the bank. SKOOR's Free tier requires $0. SKOOR also generates revenue from interchange on card payments, meaning the free tier is sustainable — not a loss leader. See full pricing details.
Frequently Asked Questions
Can I switch from Ramp to SKOOR?
Yes. SKOOR supports CSV import of your transaction history. Your existing expense categories, vendor relationships, and accounting integrations (QuickBooks, Xero) can be migrated. Your SKOOR Business Health Score starts building from day one.
Does SKOOR work for businesses that already qualify for Ramp?
Yes. If you qualify for Ramp but want a business credit score, interchange-plus processing, or visibility into both spend and earnings, SKOOR adds value even for businesses above the $25K floor.
Is SKOOR a credit card or a charge card?
SKOOR issues corporate liability charge cards — the same type as Ramp. Balances are paid in full each billing cycle. Your credit limit is based on your SKOOR Business Health Score, not a personal credit check.
What is the SKOOR Business Health Score?
It's a 0-1,000 composite score based on three pillars: your AI agent's behavior, your merchant processing health, and your business credit. It's like a FICO score for your business — and unlike Ramp, your score improves as you use the platform. Learn more at skoor.ai/products/score.
How fast can I get a SKOOR card?
Most businesses are approved and issued a virtual card within 2 minutes. Physical cards ship within 5-7 business days. No minimum balance check means no waiting for bank verification.
Is SKOOR free forever?
Yes. The Free tier includes unlimited cards, expense management, bill pay, a business credit score, and a dedicated AI agent. SKOOR makes money on interchange from card transactions, not subscriptions.
Ready to try SKOOR?
No minimum balance. No credit check. Free forever. 169,000+ businesses already scored.