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Ratio Boost is similar to consumer buy-now-pay-later but focuses on business buyers.
In Boost, the financing is embedded into the sales workflow and the financing costs can be passed on to the buyer. It can be embedded into the vendor’s website or their sales processes encapsulated in CRM and CPQ.

For public companies, True Sale enables compliance with cash reporting regulations and faster cash conversion. Several US and international stock exchanges mandate quarterly cash flow statements and proof of adequate liquidity, and True Sale of long-term cash generating assets— in exchange for immediate cash—to a company like Ratio is a great tool to stay in compliance. True Sale is also a more pragmatic way to unlock additional liquidity from the balance sheet without taking on new debt or dilution. 

For private companies, True Sale offers a new source of growth capital that is distinct from venture debt, equity capital, or revenue based financing. It is a new tool in the growth capital tool-kit that provides more flexibility and choice around what contracts to sell to a company like Ratio, and what % of future receipts to sell, depending on projected cash flow timings. With no covenants, restrictions, and less complicated accounting treatments, it is a powerful weapon to use to extend your runway on your terms.

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Ratio Trade or Ratio Boost are not debt. We purchase each contract and advance the cash to the seller as if it were paid by the buyer at the time of the purchase.
It is not a loan because we purchase each contract from you and assume the risk. The purchase is executed using our underlying financial instrument, called the Future Receipts Purchase Agreement (FRPA), which is considered a “True Sale,” and has been vetted by leading law firms and leading accounting firms for publicly listed companies.

In case of dispute between the Seller (SaaS or tech company) and the customer, the Seller is required to remedy the dispute. If the dispute is not resolved, any contracts purchased by Ratio have to be repurchased back by the Seller.

It is up to the Seller. In our Boost model, Ratio is responsible for collecting from the Seller’s customer/buyer. In the Trade model, Ratio is unknown to the buyer and the Seller is responsible for collections.

Ratio purchases contracts for cash at a small discount. The discount can be paid by the seller or the buyer depending on which product (Trade or Boost) is being utilized to get cash upfront by the Seller. The discount percentage depends on the credit worthiness of both the seller and the buyer.

We do not pull any personal credit scores or require personal guarantees, but may access a business credit report associated with your EIN. Ratio uses proprietary algorithms and underwiring to score each business and assess the risk.

Our advances are not loans or debt. Hence we do not have the concept of principal and interest. However we do discount each contract based on the risk of the contract. The discount rate varies based on the term of the contract, risk of both the seller, and the risk of the buyer.