Built for Delta Air Lines
Run finance with the same discipline Delta runs the operation.
Corporate cards, expense reviews, and bill pay on one platform — so the finance team can hold non-fuel CASM flat while Delta grows premium revenue, pays down debt, and delivers $4B in free cash flow.
Three priorities Dan Janki has put on the table. Three places Ramp shows up.
Pulled straight from the Q3 2025 earnings call and the 10-K. Where Delta is making capital allocation choices, Ramp is the operating layer that holds the line.
Premium revenue strategy
01Delta
Diversified, high-margin revenue streams now contribute 60% of the top line. American Express remuneration of $2B grew 12% in Q3. Premium cabins, SkyMiles, and the co-brand card are doing the heavy lifting.
Ramp
Premium spend deserves premium tooling. Issue cards with category-level controls for Sky Club operations, Delta One launches, and corporate sales teams. Real-time visibility, no month-end surprises.
Cost discipline that compounds
02Delta
Non-fuel unit cost growth came in approximately flat in Q3 2025. The three-to-five-year framework calls for 10% average EPS growth and operational reliability that already leads the industry.
Ramp
AI agents review 100% of expenses against policy. 88% of transactions auto-coded. Out-of-policy charges flagged the moment they happen — not at month-end. Every basis point of efficiency stays earned.
Fortress balance sheet, lean back office
03Delta
Nearly $2B in debt paid down year-to-date. Gross leverage at 2.4x, trending toward a 1x target. Investment-grade across all three agencies. Free cash flow of $3.5–$4B is the bar.
Ramp
Bill Pay automates AP across the supplier base — fuel partners, ground services, catering, MRO, technology vendors. Faster close. Cleaner audit trails. Cash sits in Delta's accounts longer, not in payment timing limbo.
Delta would join 50,000+ companies — from hyper-growth startups to the Fortune 500 — that already run finance on Ramp.
- $10BSaved across Ramp customers
- 27.5MHours of finance team time saved
- 85%Of transaction reviews automated
- 99%Policy enforcement accuracy
Three customers whose problems look a lot like Delta's.
Global headcount. Travel-heavy operations. Audit pressure that doesn't sleep. Each of these teams was running on a patchwork before consolidating onto Ramp.
Notion
Software · EnterpriseIf Notion can run 1,000+ employees across 10+ countries on a single platform, Delta's path to consolidated global T&E is well-paved.
$1M+Saved annually from policy controls blocking out-of-policy charges before they post.Notion moved its global workforce from a patchwork of vendors (Navan, Expensify) to one Ramp instance. 94% of transactions are now in-policy. Finance reclaimed 75 hours a month.
“Ramp is the only vendor that can service all of our employees across the globe in one unified system. They handle multiple currencies seamlessly and integrate with all of our accounting systems.”
Brandon Zell, Chief Accounting Officer, NotionRead the Notion storyVirgin Voyages
Travel · HospitalityThe closest industry analog to Delta's mix of crew T&E, ground operations, and managed corporate travel — already running on this stack.
100%Of policy set up front, before a single dollar gets spent off-policy.Virgin Voyages eliminated the back-and-forth of policy enforcement by setting controls at issuance. Wasteful spend is prevented at the card, not unwound after the fact.
“Any wasteful spend is prevented because I can set the policy from the start. It all comes down to accuracy and coding. We can all but eliminate the back-and-forth with Ramp.”
Michael Litwin, VP Controller, Virgin VoyagesRead the Virgin Voyages storyAnduril
Defense · EnterpriseDefense logistics share Delta's profile: large headcount, constant global movement, audit-grade documentation required end to end.
Line-by-lineReplaced with guardrails. The CFO's office sees exceptions, not noise.Anduril runs T&E for a global, security-cleared workforce on Ramp. Automation surfaces what needs review and clears the rest, so the controllers' team focuses on signal.
“At scale it's impossible to track every expense. We're a global organization. I need guardrails and automation to maintain the oversight I need and a consolidated place to manage spend.”
Timothy Fielder, Senior Payroll, T&E Manager, AndurilRead the Anduril story
What Ramp does for an airline with 100,000 employees and a thousand-vendor supply chain.
Mapped to the four corners of Delta's finance org. Implementation runs through forward-deployed engineers — not a help-desk ticket.
- 01
Global T&E for 100,000+ employees
Ramp Travel and corporate cards across entities and currencies. Flight crews, ground operations, corporate sales, Sky Club managers, premium cabin program leads — every team gets the right card with the right limits, paired with mobile receipt capture and SMS-based expense submission.
Notion runs 1,000+ employees across 10+ countries on the same platform. 95% receipt compliance, up from 80% pre-Ramp.
- 02
AP automation across the supplier base
Bill Pay handles fuel suppliers, ground handling, catering, MRO, airport facility partners, and technology vendors. Invoices auto-extract, auto-route to the right approver, and post to the ERP. The 5–8 minute manual entry per bill collapses to 1–2 minutes.
Quora reduced bill processing 70%. Advisor360° cut intake-to-pay cycle time in half.
- 03
AI agents auditing 100% of spend
Every transaction checked against Delta's policy in real time. Receipts auto-coded to the right GL account. Out-of-policy charges flagged the moment they post — not at month-end. Controllers see exceptions; everything else clears itself.
Up to 85% of transaction reviews automated. Up to 99% policy enforcement accuracy across enterprise customers.
- 04
Built for finance teams that report to the board
SOC 2 Type II, ISO 27001, aligned with FedRAMP Moderate. Enterprise SSO, role-based access, entity-specific policies, and audit trails on every action. Integrates with Oracle Fusion, Workday, NetSuite, and 200+ other tools — including the systems Delta already runs.
The only spend platform endorsed by the former Chairman & CEO of American Express.
Ramp is setting a new standard for transparency, value, efficiency, and tangible time and money savings.
Let's run the numbers for Delta.
30 minutes with our enterprise team. We'll come back with an implementation plan tailored to Delta's hub structure, supplier base, and three-to-five-year financial framework.
