Calculate Your Revenue Uplift with Ratio

Because it's usually the most expensive financing you can choose. A 10 to 20% discount to pull cash forward costs more than Ratio's risk-based fee on most deals, and it trains buyers to wait for the discount. On Ratio you keep the sticker price, the buyer gets the terms they wanted, and you still get cash upfront.

Customers running on Ratio typically see close rates increase by up to 30%, ACV grow by up to 25%, and bad debt drop by up to 25%. Three things drive that. Flexible buyer payment terms remove the budget objection that stalls deals. You stop discounting 10 to 20% to force annual prepay, because you no longer need the buyer's annual prepay to get the cash. And the friction of a separate financing step disappears, because terms are presented inside the proposal itself. Plug your real numbers into the Revenue Uplift Calculator to model your specific impact.

Absolutely. Our team can run a personalized analysis using your actual deal data, close rates, and discount patterns. Book a demo and we will walk through the economics together.

When you offer monthly billing without Ratio, you wait months to collect the full contract value and absorb the operational cost of billing and collections. With Ratio, you get paid the full contract value upfront at close while your buyer pays over time, and Ratio handles collections. Billing is only one piece of it. Ratio runs the rest of the Closing Motion on the same data model inside your CRM: quoting, proposals, discounting, buyer approval, e-sign, payments, collections, and renewals. Rolling your own monthly billing solves the payment schedule and leaves every other seam exactly where it was.

The defaults assumptions (30% conversion boost for upfront, 60% discount reduction, etc.) are based on real outcomes from Ratio customers. Every business is different, so we encourage you to adjust the assumptions to match your situation.

You can. Many sellers pass part or all of Ratio's fee to the buyer, which means the seller's net economics improve even further. Buyers are often willing to absorb a small fee in exchange for flexible payment terms. You can also split the cost in any ratio that works for the deal.

Three things happen at once. First, you discount dramatically less to force annual prepay, so your average deal value increases. Second, more buyers convert because flexible terms remove budget objections. Third, your internal costs drop because Ratio handles collections, reduces write-offs, and eliminates billing complexity. The calculator models all three effects together.

Ratio charges a small finance fee on each deal. The fee varies based on contract length, deal size, and risk profile. You can absorb the cost, pass it to the buyer, or split it however you want. Most companies find the fee is significantly less than the discounts they were previously giving to force annual prepay, so their net revenue actually increases. Want to see what that looks like for your business? Run your own numbers in our calculator to model your revenue uplift.