Capchase finances deals. Ratio closes them.

Capchase is a financing tool. Ratio is a Closing Motion platform. That distinction is the whole point of this page. A Closing Motion is the operational sequence your team runs to convert an opportunity into recognized revenue: pricing the offer, structuring terms, approving the buyer, capturing signature, collecting cash, and setting up renewal. Most companies stitch this together across CPQ, e-sign, payments, billing, and a financing add-on. The result is brittle, expensive, and slow. Ratio collapses the whole sequence into one workflow inside the CRM where the deal already lives. Capchase doesn't do any of this. It activates after the deal is signed, converts ARR into cash, and exits. That's a useful instrument. It is not a way to win deals.

Ratio takes a fundamentally different approach. It embeds financing into the sales motion itself, giving your reps a way to offer buyer-friendly terms, like deferred payments, milestone-based billing, or usage-based structures, at the exact moment a deal is on the line. This flexibility helps you close faster and more often, without defaulting to heavy discounting.

Unlike Capchase, which sits outside your GTM workflow, Ratio lives inside your CRM and CPQ. Your sales team can generate quotes, configure terms, and send proposals with e-signature, all in one place. There's no need to coordinate across tools, teams, or timelines. It's the difference between bolting on financing after the deal and making it part of how the deal gets done.

Where Capchase locks you into fixed repayment terms and forces the seller to absorb a flat 10% fee (deducted upfront), Ratio gives you complete control. Pricing is dynamic, typically between 4% and 20% depending on risk, and you decide who pays the fee: the buyer, the seller, or a custom split. The result is more strategic control over margin without needing blanket discount approvals.

Capchase also creates friction for buyers, requiring document uploads and manual underwriting. Ratio simplifies this entirely. With just an EIN, buyers can be instantly approved. There's no back-and-forth or deal drag, just a seamless checkout experience built for modern B2B sales.

Beyond the deal itself, Capchase stops short. Collections, renewals, and subscription management remain your team's responsibility, or require additional paid services. Ratio, by contrast, automates collections and renewals as part of the platform. Finance teams gain full visibility into cash flow, payment health, and contract performance through customizable reporting dashboards, tax-handling, and real-time insights.

And while Capchase doesn't support reseller, channel, or marketplace sales, Ratio does. Whether you're selling directly, through partners, or using complex deal structures, Ratio can handle it, backed by integrations with 19+ systems including Salesforce, Stripe, HubSpot, Chargebee, and more.

In short, Capchase is a simple financial instrument. Ratio is a revenue engine. It doesn't just help you fund what you've already sold, it helps you sell more in the first place, close with confidence, and control every lever that affects revenue performance.