Ramp's Construction Finance OS: Job Costing, AI AP & Paying Subs Faster (with Carl)

Carl from Ramp joins Luigi La Corte, Mike Powers, and Andrew Zukoski to unpack how a horizontal financial operating system is being pulled deeper into construction. Ramp covers corporate cards and expense management, purchasing and accounts payable, treasury with JPMorgan, and a newly announced accounts receivable product—serving more than 80,000 businesses including over 15,000 construction and construction-adjacent customers. The conversation covers why construction needs a distinct experience (GC–sub coordination, retainage, change orders, lean waivers, AIA billing), Ramp Plus automation versus point-solution sprawl, project-centric job costing and dynamic PM expense approvals, the ServiceTitan embedded partnership, and how AI plus payment infrastructure could close the loop between GCs and subs on cash flow.