Scale Faster with Simple Embedded Financing

Provide payment flexibility and risk adjusted pricing to enhance renewal and closure rates, while decreasing churn. No matter the situation, always collect cash up front.

trusted and affirmed by
Revenue Based Financing Ratio helping Bigtincan
Revenue Based Financing Ratio helping Sorting Robotics
Revenue Based Financing Ratio helping Bitvore

"Ratio is helping us transform the purchasing experience. We see many ways to sell more deals faster - we do it by speeding up the procurement process for our customers. And we collect upfront no matter how the customer pays."

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David Keane, Founder & CEO @ Bigtincan

David Keane

Founder & CEO

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"Ratio fills a need in the Robotics-as-a-service industry that no one else does. By providing flexibility to our customers, we have landed deals that we would have lost to customer budget constraints.”

Nohtal Partansky

Nohtal Partansky

Founder & CEO

"We're a startup who helps companies with labor challenges. With Ratio, our customers are able to onboard online and get approved almost immediately. Boost was easy to implement and has helped us grow tremendously."

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Kyle Dou

Kyle Dou

Founder & CEO

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Ratio embedded in Salesforce

Embed Payment Flexibility

Payment flexibility is beneficial for everyone, that’s why Ratio helps you land more deals by allowing you to create customized offers for every deal. You decide if you want to pass on the financing fee to the customer, split it, or cover it yourself. With our embedded solutions, you don’t even have to leave your CRM!

How it works
What’s Not to love?
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Sell more deals - increase conversion rates


Reduce CAC payback time period

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Reduce average discount


Sell Faster - Less negotiation on term

No 3rd party leasing company needed

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Convert to X-as-a-Service business

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Embed in CRM or CPQ

Ratio Financing Benefits Everyone

Seller Benefits

Ratio Boost is a unique approach to embed financing at the point of sale. Sellers get to provide unparalleled payment flexibility, collect the full value of the contracts upfront, and gain access to tools to help optimize pricing. Since we are true sale, the seller transfers the full risk of collections to Ratio which is equipped to underwrite and assess the creditworthiness of prospective customers.

The Seller Perspective
Upfront Sale
Equipment Leasing (or) Subscription  with down payment
Flexibility to increase conversions (e.g. no downpayment required)
Reduce customer acquisition costs with fully embedded product processes at Point of Sale
No personal guarantee required
Transfer all risk, billing, and collections seamlessly
Ultimate payment flexibility, choose who pays the financing fees
Increase value by converting to SaaS (convert install and professional services to ARR)
Co-develop to match customer needs
Realize cash upfront

Buyer Benefits

From a buyer perspective, minimizing upfront cash outflows on CapEx purchases is the smarter strategy in a high-interest rate environment. By now pay later also provides higher flexibility to the buyer on when and how they want to pay. It shifts agency and choice to the buyer based on actual creditworthiness vs. arbitrary limitations imposed by the seller.

The Buyer Perspective
Upfront Sale
Equipment Leasing (or) Subscription  with down payment
Zero upfront costs
Lower overall TCO
Payment flexibility (defer, pay over time, etc.)
Access best-in-class solution affordably

Amplify Your Revenue with Ratio

Adaptive Purchase Experience

Customize your plan

Reduce Churn

Determine churn risk and mitigate with payment flexibility, longer terms, and fewer costly re-negotiations.

Close More

Never require customers to pay upfront. Fewer delayed or lost deals for short term budget constraints.

Discount less

Offer payment options instead of discounts.

Reduce Risk

Transfer risk off your balance sheet and expand working capital.

Ready to accelerate your revenue?


How does Ratio Boost work?
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.
What is a True Sale?
A True Sale is a transaction where cash-generating assets (accounts receivable, annual contracts, multi-year contracts, etc.) are fully transferred from a seller to a buyer for a purchase consideration.

In contrast to both debt-financing, which is treated as a liability on the balance sheet, and equity financing, which increases the total number of shares issued, a True Sale causes neither dilution nor debt, and results in direct substitution of assets for instant cash.

A True Sale also protects the buyer’s interests by legally isolating the asset beyond the reach of the seller’s creditors and bankruptcy trustees. Click here to learn more.
What is the value of True Sale for public and private companies?
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.

Click here to learn more.
Is this debt?
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.
What happens in the case of a dispute between the Seller and the customer?
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.
Who is responsible for collections?
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.
How does Ratio make money?
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.
Do you pull my credit score? Are there personal guarantees?
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.
What is the interest rate?
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.