Ramp referrals

Partner programs let you offer a partner’s product to the businesses you already underwrite, and earn a commission when it converts. Ramp is the first. Ramp relies on Pathway to pre-screen applicants for the Ramp corporate card and to hand them an application prefilled from the deal. An org admin turns it on under Connectors → Integrations, and it then appears under Connectors in the sidebar. Turning it off makes every shared link stop working. Why do it. When a merchant you referred is approved and starts using the card, Ramp pays a referral commission and Pathway pays your firm its share. The work is one click: when a business fits Ramp’s criteria, Pathway generates the offer with the application prefilled. You send it to the merchant or back to the ISO who brought you the deal. The merchant opens the link, gives their consent, and finishes with Ramp. Pathway shows you where every application stands. The card is a charge card. It is paid in full each month, has no personal guarantee, and has no daily payment. It is a spend product, not financing.

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The card

Ramp’s pages on the product:

• Corporate cards: cashback, no annual fee, no personal guarantee, physical and virtual cards for a team.
• Products: bill pay, expense management, and spend controls.
• Pricing: plan tiers and what is free.
• Legal: customer terms, the card addendum, and the privacy policy. Every referral page links to these.

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Who qualifies

These are Ramp’s general pre-qualifying criteria, not guarantees. Ramp reviews every application itself. Most of what Ramp looks at is already in a Pathway Book: Businesses that sweep to a zero balance can be evaluated on financials instead: current and prior year quarterly P&Ls and the last two quarters’ balance sheets.*

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How it works

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Creating a referral manually

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Referrals from your deal flow

Referrals can also start from a Book. Open the Book’s Actions tab, choose Ramp, and click Create Ramp referral. The same form opens, prefilled from the Book’s loan application. Review it, confirm the email, and create the link. The Book’s Ramp section lists every referral made from it, and each one also appears on the Ramp page.

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The merchant’s page

The link opens the only page a merchant ever sees from Pathway. It is branded LendPathway and Ramp, names the referring firm, describes the card in Ramp’s own terms with links to Ramp’s site, shows where Ramp’s invitation will go, and asks for one thing: permission to share the business’s details with Ramp. A link starts the application once. After Apply, the page tells them to watch for Ramp’s email and, if it doesn’t arrive, to ask you to resend it. Everything after that is with Ramp: the application, the decision, and the card. Questions about the card go to Ramp support.

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Statuses

Ramp’s review takes days, not minutes. A referral that stays at Invite sent usually means the merchant hasn’t opened Ramp’s email. Resend the Ramp invite on the referral sends it again, at most once every ten minutes. A merchant can be referred through Pathway once. If a referral for the same email has already been sent, by your firm or another, yours shows Already referred and cannot be sent. Ramp only ever opens one application per email and credits the referral that sent first. If Ramp rejects what was sent, the referral shows Ramp’s reason in its activity log.

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Brokers and lenders

Brokers and ISOs own the merchant relationship. Pitch the card on the same call as the advance, create the referral, and either text the merchant the link or send the application on their behalf. Lenders usually received the merchant through an ISO, and the relationship stays with that ISO. Create the referral and forward the ISO the link to pitch. Nothing reaches a merchant in your pipeline unless someone at your firm creates the referral and shares it.

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Consent and data

A merchant’s information goes to Ramp only when someone clicks Apply or Send to Ramp with the consent box checked, and only to the email on the referral, which the shared link cannot change. Every send records who did it, from where, and when. What is sent is exactly the applicant and prefill fields on the referral, which you can review beforehand. Nothing else from the Book leaves Pathway. From that point, Ramp’s privacy policy applies. Pathway keeps a read-only view of the application’s status and nothing else from the merchant’s Ramp account.

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Commissions

Ramp pays LendPathway a referral commission for each referred business that is approved and begins using the card. LendPathway shares it with the firm credited on the referral. A referral becomes eligible once the merchant has spent and paid down at least $1,000 on the card, or paid at least three bills through Ramp.* Commissions are paid out by ACH in the third week of the following month.* From a merchant’s consent to cash in hand is typically one to three months. Commission amounts and your firm’s share are set in your program agreement. Confirm them with your Pathway contact before quoting anything to a merchant. Payouts are matched to Ramp’s partner reporting by the merchant’s email address, which is why the email on a sent referral can’t be changed. * Figures as shared by Ramp at the time of writing and subject to change. Ramp’s customer terms and card addendum govern eligibility and the product. Your program agreement governs commissions.