With Ratio you unlock buyer-friendly terms inside your CRM, shift fees off your P&L, and automate  quote to cash process —  everything Capchase can’t do.
Close faster
Get Cash  Upfront
close  more deals

“Ratio stood out as the only B2B BNPL solution able to customize financing terms to how we sell and how our customers prefer to pay. As an added benefit, their quote-to-cash capabilities were more than sufficient for our needs, allowing us to avoid the cost and complexity of implementing a separate CPQ system. ”

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Matt Woodrome

Director of Growth Initiatives

“Ratio’s  platform allows us to close deals in minutes. Sales & Finance love the all-in-one platform from proposal to cash.  With Ratio we will 2-3x ARR this year, while collecting the cash upfront”

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Joe Brown

Founder & CEO

“Ratio has been a game-changer—its seconds-fast, zero-friction underwriting covers every deal size we pitch, sparing us the back-and-forth and the uncertainty in approvals we endured with other vendors; letting our reps focus on closing, not chasing credit checks.”

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Curtis Bendt

CRO

"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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Why settle for a one-trick pony?
Capchase only helps you finance signed deals .
Ratio helps you accelerate revenue  by embedding  financing and automating your quote to cash process, while paying you upfront and reducing risk & sales friction
see the Comparing table
Capchase vs Ratio: Side-by-Side Comparison
If you're evaluating Capchase vs Ratio, here's the bottom line: Capchase helps you get paid faster—after you've already closed a deal. Ratio helps you win more deals in the first place. By embedding financing directly into your sales motion—with CPQ, quoting, flexible terms, and buyer-friendly workflows—Ratio accelerates revenue from quote to renewal.
The table below breaks down exactly where the two platforms differ—and why top revenue teams choose Ratio when growth is the goal.
Embedded Financing
Industry fit
Add-on, not embedded — reps must leave CRM/CPQ to quote or fund a deal, slowing every cycle
Capchase is SaaS-focused.
International availability
Ratio supports 12 countries.
Capchase supports 9.
Capital availability
Both offer access to >$500M in non-dilutive funding.
Multi year deals
Ratio not only supports multi year deals but allows sellers to customize payment schedule
Custom payment terms
Ratio supports milestone, deferred, and usage-based plans.
Capchase only offers standard terms.
Recourse flexibility
Ratio cffers various recourse models.
Capchase always requires the seller to take the risk.
Control over who pays financing fee
Ratio lets sellers shift cost to buyer or split.
Capchase charges the seller 100%.
Pricing optimization
Ratio uses risk-based pricing (4–20%).
Capchase uses flat 10% fees.
Data-light underwriting
Ratio doesn't require ANY informaiton from the buyers in most cases and has a fully automated buyer underwriting process.
Capchase often requires financial statements for buyers and manual processing
Instant buyer approval
Ratio credit algorithms determine buyer elibility instanaeously
Capchase often involves manual steps
Sales Enablement
CRM integrations (Salesforce & HubSpot)
Both integrate, but Ratio embeds deeper into the sales stack.
Embedded inside sales workflow
Ratio is built into Salesforce and HubSpot.
Capchase sits outside the quote process.
Built-in quote & proposal tools
Ratio includes native quote/proposal, e-sign and susbcription management. Although customer always have the option to Ratio's integrations to CPQ, Billing and accounting tools (e.g. salesforce, docusign, chargebee, recurly and many others).
Capchase offers no proposal/quoting and modern billing functionality and has limited integrations.
Buyer Activity Tracking & Automated Followup
Ratio tracks every action in sales closing process providing valuable insight and automated follow ups to accelerate closing.
Support to multi-level reseller model
Ratio is built for the
Billing & Collections
Collections Module
Ratio includes collections for free.
Capchase charges extra or requires seller involvement.
Upsells, Cross-sell & renewals support
Ratio automates expansion and renewal workflows and allows for co-termination with the original contract.
Capchase does not support them.
Channel & reseller support
Ratio supports VAR, marketplaces, and indirect sales.
Capchase does not.
Modern billing models supported
Ratio supports usage-based and hybrid billing.
Capchase does not.
Reporting, Controls and Integrations
Real-time reporting & analytics
Ratio offers custom dashboards.
Capchase provides basic reporting.
Role based access controls and reporting
Ratio is built for the enterprise and supports role based access controls to features and realtime program data and anlaytics
Enterprise grade security
Ratio is architected for the enterprise with bank level security (e.g. row level security)
Integrations
Ratio 20+ integrations to CRM, CPQ, Accounting, billing, e-signature, taxes and other sales and revenue tools

Frequently Asked Questions

Is Ratio just a financing tool like Capchase—or something different?
Capchase is a financing add-on. Ratio is a complete quote-to-cash platform. Both can finance revenue, but only Ratio embeds into your sales motion—handling quoting, flexible terms, e-sign, instant approvals, billing, and collections inside your CRM.
Can Capchase replace CPQ or proposal software—how does that compare to Ratio?
Ratio includes built-in CPQ, proposal generation, discounting, and e-sign. Capchase offers no quoting or sales-enablement capabilities.
How customizable are payment schedules in Capchase vs. Ratio?
Ratio supports milestone-based, usage-based, deferred, and multi-year plans. Capchase generally offers fixed 12–24-month plans and lacks the flexibility needed for complex enterprise deals.
How fast are buyer approvals in Capchase compared to Ratio?
Ratio approves most buyers in real time using only an EIN—no uploads or back-and-forth. Capchase typically requires document collection and manual reviews, which slows cycles.
Does Capchase support usage-based or ramped billing—and how does Ratio compare?
Ratio supports modern SaaS models (usage-based, ramped, hybrids) natively. Capchase does not support variable billing logic.
Which industries does Capchase support vs. Ratio?
Capchase focuses on SaaS. Ratio supports SaaS, tech-enabled hardware, robotics, digital goods, and hybrid models out of the box.
Does Capchase handle reseller/channel deals—how does Ratio support VARs and marketplaces?
Ratio natively supports VARs, channel sales, and indirect workflows. Capchase does not support reseller billing structures.
How are financing fees handled for Capchase—versus Ratio?
With Capchase, the seller pays 100%. With Ratio, you choose—seller, buyer, or a split—giving you a negotiation lever to protect margin.
Are there upfront deductions with Capchase—and how does payout compare to Ratio?
Capchase deducts its fee from your payout. Ratio pays you the full contract value on Day 1—no upfront deductions.
How are financing rates calculated for Capchase—versus Ratio?
Capchase applies a fixed rate (commonly ~10%) across deals. Ratio prices per contract using real-time risk scoring (typically 4–20%), often lower for high-quality buyers.
What is the recourse model for Capchase compared to Ratio?
Capchase requires seller recourse—the seller bears default risk. Ratio offers flexible recourse and can absorb buyer risk when that’s preferable.
What maximum contract terms does Capchase support—vs. Ratio?
Capchase generally caps terms at ~24 months. Ratio supports up to 60 months, ideal for strategic multi-year agreements.
How quickly are payouts funded with Capchase vs. Ratio?
Both can fund in under a week. The difference: Ratio funds 100% of TCV on Day 1, while Capchase typically deducts fees upfront.
Does Capchase offer subscription management, renewals, or upsells—how does Ratio differ?
Ratio includes quote-to-cash support for renewals, upsells, and cancellations. Capchase offers none of these capabilities.
Are collections included with Capchase—or how does that compare to Ratio?
Ratio automates billing, dunning, and collections at no extra cost. Capchase treats collections as a paid add-on or leaves it to your team.
What reporting and analytics does Capchase provide—vs. Ratio?
Capchase provides summary-level reporting. Ratio offers comprehensive, finance-grade and RevOps-friendly dashboards aligned to your sales flow.
Does Capchase handle tax logic and compliance—how does Ratio compare?
Ratio includes tax calculations and reconciliation. Capchase leaves tax handling to your finance team.
Which integrations does Capchase support—vs. Ratio?
Capchase lists ~9 integrations. Ratio offers 19+ and growing—including Salesforce, HubSpot, Stripe, subscription platforms, and ERPs.
Is Capchase available internationally—how does its coverage compare to Ratio?
Ratio supports ~12 countries and growing. Capchase supports ~9 countries.
How much capital is available from Capchase compared to Ratio?
Both have access to large credit facilities (>$500M). The operational difference is Ratio’s control and transparency over pricing, terms, and fee allocation.
Does recent consolidation around Capchase change the comparison with Ratio?
Consolidations promise faster innovation, but integrations typically take quarters—roadmaps merge, backlogs grow, and sellers wait. Ratio already delivers a unified platform today: quoting, terms, e-sign, underwriting, funding, billing, collections, and renewals—all in one flow.
Why Ratio Outperforms CAPCHASE
Further Reading
Capchase offers a narrow, reactive solution: it lets you unlock cash from revenue you've already closed. But if you're trying to increase win rates, shorten sales cycles, and protect margin in the process, that’s not enough.
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.
If you’re ready to stop reacting and start selling smarter, Ratio is built for you.
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