Definition of Ratio Boost
Ratio Boost is a product and platform from Ratio that embeds B2B Buy Now, Pay Later (BNPL) and CPQ capabilities directly into a company’s sales process. It enables sellers to offer flexible payment plans at the point of sale while receiving the full contract value upfront from Ratio.
How Ratio Boost Works
Ratio Boost allows sales teams to present multiple payment options—such as monthly, quarterly, or deferred payments—directly within their quoting workflow. When a buyer selects a payment plan, Ratio underwrites the buyer in real time and, if approved, immediately pays the seller the contract value minus a fee. The buyer then pays Ratio over time according to the agreed schedule.
Ratio Boost Explained for a General Audience
For a general audience, Ratio Boost lets companies offer “buy now, pay later” for B2B purchases. A customer can choose to pay in installments instead of all at once, while the seller still gets paid immediately. Ratio handles the financing, billing, and collections behind the scenes, making the process smooth for both buyer and seller.
Ratio Boost as a Quote-to-Cash Platform
Ratio Boost is more than a payment option—it acts as an end-to-end quote-to-cash engine. It integrates quoting, e-signatures, credit underwriting, billing, and collections into one seamless flow embedded within CRM or CPQ systems. This eliminates the need for separate tools or manual handoffs between sales and finance.
Sales and CPQ Integration
Sales teams using Ratio Boost can configure deals directly inside their CRM, select payment options, decide who covers financing fees, and generate proposals with side-by-side pricing comparisons. Buyers can choose the option that best fits their budget, such as paying upfront or spreading payments over time.
Underwriting and Approval Flow
Ratio Boost performs instant underwriting using business data such as EIN and other financial signals. Most deals are approved within seconds, while larger or more complex transactions may require additional verification, such as a quick bank connection. This fast approval process helps maintain deal momentum.
Funding, Billing, and Collections
Once a deal is approved and signed, Ratio funds the seller immediately by effectively purchasing the contract. Ratio then takes over billing and collections from the buyer over the agreed payment schedule. The seller does not need to manage invoices, track payments, or handle collections for those deals.
Flexibility for Complex Deals
Ratio Boost supports a wide range of billing models, including milestone-based billing, usage-based pricing, multi-year contracts, and deferred payments. This makes it suitable for complex enterprise and SaaS deals that go beyond simple monthly subscriptions.
Ratio Boost in the Sales and RevOps Context
Ratio Boost integrates directly into existing CRM and sales systems, providing visibility into deal status, approvals, and payments. This alignment with sales and RevOps workflows helps teams track performance, shorten sales cycles, and reduce friction between sales, finance, and operations.
Why Ratio Boost Matters in a Glossary Context
Including Ratio Boost in a glossary helps explain how modern B2B sellers can combine financing and sales execution into a single workflow. It provides context for discussions around embedded finance, quote-to-cash optimization, and closing deals faster without sacrificing cash flow.
Summary
Ratio Boost is an all-in-one B2B BNPL and quote-to-cash platform that enables sellers to offer flexible payment options while getting paid upfront. By embedding financing, underwriting, billing, and collections directly into the sales process, Ratio Boost helps companies close deals faster, increase deal size, and improve cash flow without taking on credit risk or operational complexity.
