“In the startup world, adding lines of business is always a risk. A company can spread itself too thin and end up not doing a great job at much of anything. Or it can stumble upon an offering that not only is a hit, but a hit that’s growing faster than its original, core product. The latter appears to be true in Ramp’s case. The corporate spend startup launched its bill pay feature in October of 2021, building upon its corporate card business and accounting software product.   With the early success of the bill pay feature, Ramp is now adding financing and overlay with a new product called Flex.  With the new Flex feature, customers will have the option “in one click” to add financing to pay the money back up to 30, 60 or 90 days later for a fee while the vendor “gets paid right away.” Besides the extra time, bill pay gives the business the flexibility to pay any way they wish or the vendor requires, including via ACH, check or card.”