Frequently Asked Questions

Ratio is native to Salesforce and HubSpot. Every other CRM connects through a streamlined integration. In all cases, deal data syncs automatically, and quotes, payment terms, signatures, and cash status all show up on the deal record, so your reps keep working in the CRM they already use.

Ratio connects to QuickBooks, Oracle NetSuite, Xero, Sage, FreshBooks, FreeAgent, Clear Books, and KashFlow, so contract value, cash received, and remaining receivable sync cleanly to your books.

Whichever one fits the deal. Net 30 through net 120, or monthly, quarterly, semi-annual, and annual payments, on contracts up to five years long. You can also build bespoke schedules, like a downpayment at signature followed by monthly payments starting three months later. No other provider gives you that range. The options your company is eligible for are calculated in advance and shown right in the proposal, so you can keep your cash working in your business instead of fronting a full year to a vendor.

Ratio's AI Proposal Agent generates quotes and payment terms inside your sales workflow. It uses pricing history, contract context, underwriting signals, and buyer intent to recommend the structure most likely to close, so your reps stop guessing which terms will land.

Ratio coordinates with you to pause the service and reconcile the unused portion of the contract, so you stop delivering against a non-paying account. The recourse is structured, not a surprise: you keep what's been delivered and stop the bleeding on what hasn't.

Role-based access control, a full audit trail on quotes and terms, and pre-built dashboards for pipeline-to-cash conversion, payment-term performance, and rep adoption. Ratio is SOC 2 compliant with TLS v1.3 / RSA-2048 encryption, data encrypted at rest and segregated by tenancy.

First, congratulations. Getting to millions in MRR is hard, and it says the motion you built works. So the answer is not to replace it. Ratio does not ask you to rip anything out: it connects to the CRM, accounting, billing, and payment tools you already run, and your reps keep working on the deal record they already use. What it adds is the part your current stack leaves on the table, which is collecting 12 to 24 months of contract value upfront while your buyer still pays monthly, without discounting to get there. You keep everything that got you here and stop choosing between holding your price and getting the cash.

87% of deals are priced and approved automatically in under one second. Ratio's risk engine underwrites the buyer before terms are even presented, so your reps see eligible terms before they pitch instead of waiting on underwriting.

Ratio underwrites every buyer before terms are presented, so the deals most likely to write off never get approved: 87% of deals are priced and approved automatically in under one second, and risk gets filtered at the front of the funnel instead of chased at the back. Combined with a professional collections workflow on every account, customers see bad debt drop by up to 25%.

Because Ratio pays the contract value upfront at close, cash and bookings finally tie. Finance and sales look at the same number instead of forecasting committed cash off CRM bookings that won't convert for months. One data model connects contract value, payment schedule, cash receipts, and renewals to the same deal record.

Out of the box. Ratio handles subscription management and payment processing natively, so custom payment schedules, dunning, reconciliation, and collections run without you assembling a stack for it. If you are committed to tools you already have, Ratio plugs into them instead such as Chargebee, Recurly, and Chargify for subscription management. Either way it runs on one data model tied to the deal record.

Ratio uses Plaid to securely connect bank accounts for verification and underwriting. You authenticate directly with your bank, and Ratio never stores your credentials.

Contract value, payment schedule, cash received, and remaining receivable all live in one data model that syncs to your accounting system, with native integrations for QuickBooks, NetSuite, Xero, and Sage. Less manual mapping at month-end and less risk of the seam between billing and books drifting apart. Your accountants determine the exact treatment for your books.

Yes, and it takes less than an hour. Ratio works on the deal record your reps already use, whatever CRM you run, so there is no double entry, no separate tab to live in, and no parallel system of record to reconcile at the end of the quarter. Thousands of reps sell on Ratio today, and ramp is not where teams get stuck.

Good for you, that is a strong position to be in. The catch is that your book only shows the deals you won. It does not show the buyer who picked a competitor because their budget cycle could not absorb a full year upfront, the deal your rep sized down to fit what procurement would approve this quarter, or the segment your team stopped prospecting because the number never clears. Flexible terms change nothing for the customers already paying you upfront, and you still collect the contract value upfront on every deal either way, because Ratio pays you at close. What changes is who you can sell to. That is market expansion, not a concession on the business you already own.

Yes. Ratio is SOC 2 compliant. All traffic is encrypted using TLS v1.3 / RSA-2048, data is encrypted at rest and segregated by tenancy, and Ratio does not store user credentials. The information Ratio uses is business-level and is used only for the payment plan tied to this proposal.

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.

With Boost, Ratio finances your buyer, not you: the buyer enters a payment plan with Ratio, you get the contract value upfront net of the fee, and there are no warrants, no dilution, and no personal guarantees on your side. Trade is a company-level advance repaid in fixed monthly payments: non-dilutive, no warrants, no financial maintenance covenants. Your accountants determine the exact treatment for your books.

Either. Ratio includes native quoting, proposals, e-sign, and subscription management, which is enough for most teams. If you're committed to existing tools, Ratio integrates with Salesforce CPQ, DocuSign, Chargebee, Recurly, and 19+ systems across CRM, accounting, billing, and payments.

On the surface, yes: cash against your existing revenue base. The difference is where it lives. Trade runs on the same platform as your proposals, billing, and collections, underwrites your company once instead of cherry-picking contracts, repays on a fixed monthly schedule you see before you accept, and its capacity can grow as more deals run through Boost. One vendor, one data model, one motion.

Most teams are fully live in two weeks. Ratio plugs into your CRM. Your reps keep working in the CRM they already use, no rip-and-replace and no new tab to live in. Onboarding is handled by our team, and security is SOC 2 compliant with TLS v1.3 / RSA-2048 encryption, data encrypted at rest, and tenancy segregation.

No. You're not borrowing and you're not giving up equity. The buyer enters a payment plan with Ratio for the contract, and Ratio advances the cash to you when the buyer signs. There are no warrants, no covenants, no dilution, and no personal guarantees on your side. Your cap table stays clean and your debt load doesn't change.

A clean, branded proposal in your colors with flexible payment options built in. The buyer reviews the terms, picks the schedule that fits their budget, signs, and pays the first installment, all on one page. No separate financing application, no third-party redirect, no extra steps after yes. 87% of deals are priced and approved automatically in under one second. From the buyer's side, it feels like a modern way to buy from you, not a finance product bolted on.

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.

Because none of those tools own the outcome the business actually cares about: cash in the bank. CPQ stops at the proposal. E-sign stops at the signature. Billing kicks in weeks later. Each link is optimized for its own slice, and the seams between them are where deals slow down, terms get renegotiated, and cash leaks out. Ratio runs the entire motion on one data model, sitting on top of the CRM your team already uses. The proposal, the buyer's payment terms, the cash to you, the billing, the collections, and the renewal all stay connected to the same deal.

Each advance is priced as a simple discount based on your company's risk profile. You see the full cost before you accept, and there are no hidden fees.

From start to cash: connect your systems in minutes, get underwritten within 48 hours, accept your offer, then cash hits your bank account within days. The entire process can be completed in under a week.

Boost pays you upfront on each new deal you close, and Ratio collects from your buyer over the contract term. Trade advances against the book you already built.

No. Ratio underwrites your whole company, not individual contracts. One underwrite, one offer, one lump sum. Your customer relationships and billing stay exactly as they are.

You receive one lump sum upfront and repay through fixed monthly payments over the agreed schedule. No balloon payments, no variable revenue sweeps, no surprises. You know the exact cost and the exact schedule before you accept.

Ratio underwrites your company and offers a lump sum sized against your ARR, based on factors like retention, customer payment behavior, and overall financial health. Book a demo to learn more, or apply to get a bespoke quote.

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.

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.

Ratio is built for B2B technology companies -- SaaS, AI, robotics, IoT, and tech-enabled services -- that sell recurring contracts and want to get paid upfront without discounting. Our customers range from growth-stage startups to public enterprises. If you have a sales team closing B2B deals, Ratio can help.

Your buyer gets a clean, branded proposal with flexible payment options. They choose the terms that work for them and sign. There is no separate financing application and no friction, and 87% of deals are automatically approved in less than one second. It is the same fluid experience we all expect from consumer services like Amazon: see the price, pick how you want to pay, confirm, done. From your buyer's perspective, it just feels like a modern purchasing experience.

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.

Getting live has two phases: seller approval and integration. First we assess your company's financial health, which means sharing some basic information about your business. Once we have that, approval typically takes two to five days. Then we connect your CRM, accounting, and billing systems through the Ratio portal, which takes about a week, with our team handling onboarding. All in, most sellers are up and running in about two weeks.

Most deals stall because buyers want flexible payment terms but sellers need cash now. Ratio removes that tradeoff. You create proposals with flexible terms built in, your buyer commits on a payment schedule that works for their budget, and you get paid the full contract value upfront at close. No more discounting to force annual prepay, and no more waiting months for cash.