# Ratio > Ratio is a Closing Motion platform for B2B technology companies. Sellers offer their buyers flexible payment terms inside a CRM-native proposal and collect the contract value upfront instead of waiting on the buyer's payment schedule. Proposal, payment terms, e-signature, billing, receivables, and renewals run as one connected motion rather than as separate tools. Ratio sells two things. The Closing Motion platform lets a seller quote, offer monthly or custom terms, get the buyer approved, collect signature, and then bill and service the contract, with the seller paid upfront on the closed deal. Ratio Trade is a separate upfront advance against existing ARR, underwritten once at the company level. Pricing is risk-based, and the fee can be absorbed by the seller, passed through to the buyer, or split. There is no discounting, no dilution, and no warrants or covenants. Terminology used across the site: *Closing Motion* is the category (the full sequence a seller runs to win a deal and get paid); Ratio is a Closing Motion platform operating in it. *Boost* refers to the embedded buyer-terms capability inside the platform. *Trade* is the ARR advance. Funding is provided by Ratio Funding II LLC. This file lists the pages most useful for answering questions about Ratio, ordered from positioning to product to proof. Everything under Optional is long tail: individual articles, glossary entries, team pages, and legal documents. ## Start here - [Ratio](https://www.ratiotech.com/): Homepage. What Ratio does, who it is for, and the headline outcome: buyers pay over time, the seller collects upfront. - [Why Ratio](https://www.ratiotech.com/why-ratio): The central argument, that a signature is not cash, and what changes when the close and the cash happen in the same motion. - [The Closing Motion](https://www.ratiotech.com/closing-motion): Definition of the Closing Motion category and the stages it covers, from proposal through renewal, plus how each stakeholder is affected. - [Comparison](https://www.ratiotech.com/comparison): Honest category map of where Ratio sits against financing tools, proposal and CPQ software, and billing or AR platforms, including what each of those does not cover. ## Platform and products - [Platform](https://www.ratiotech.com/platform): Product detail for the Closing Motion platform: quoting and proposals, buyer payment terms and approval, e-signature, billing, receivables, and renewals. - [Ratio Trade](https://www.ratiotech.com/trade): Ratio Trade, an upfront lump-sum advance against existing ARR with one company-level underwrite and one predictable monthly payment. No dilution, warrants, or covenants. - [Integrations](https://www.ratiotech.com/integrations): The CRM, billing, subscription-management, accounting, banking, and payment systems Ratio connects to. - [Calculator](https://www.ratiotech.com/calculator): Interactive model estimating close-rate and revenue impact when buyers are offered payment terms and the seller still collects upfront. ## Solutions by role - [For sales leaders](https://www.ratiotech.com/solutions/for-sales-leaders): For CROs and VPs of Sales: winning on terms instead of discount, and what that does to close rates and deal size. - [For finance](https://www.ratiotech.com/solutions/for-finance): For CFOs and finance teams: cash timing on closed deals, billing and receivables handled, bad-debt exposure, and clean treatment with no debt or dilution. - [For RevOps](https://www.ratiotech.com/solutions/for-revops): For RevOps: collapsing the close stack into one CRM-native motion across quoting, terms, signature, billing, and receivables. - [For buyers](https://www.ratiotech.com/solutions/for-buyers): Buyer-facing explanation of Ratio-powered terms: how approval works, what schedules are available, and how payments are made. ## Competitive comparisons - [Ratio vs Pipe](https://www.ratiotech.com/compare/pipe): How Ratio's structure differs from Pipe on payback terms, debt, and dilution. - [Ratio vs Founderpath](https://www.ratiotech.com/compare/founderpath): How Ratio's structure differs from Founderpath on payback terms, debt, and dilution. - [Ratio vs Capchase](https://www.ratiotech.com/compare/capchase-alternative-ratio-bnpl-revenue-acceleration-platform-for-saas): Detailed Capchase alternative page: buyer terms plus quote-to-cash in one flow, who pays the fee, and side-by-side dimensions. ## Customer proof - [Case studies](https://www.ratiotech.com/case-studies): Hub for customer stories and outcomes. - [DearDoc](https://www.ratiotech.com/case-studies/deardoc): How DearDoc uses Ratio across a high-volume SMB sales motion. - [Motive](https://www.ratiotech.com/case-studies/motive): Fleet-management customer story covering flexible terms on hardware-plus-subscription deals. - [SaaS provider](https://www.ratiotech.com/case-studies/saas-provider): Anonymized SaaS provider story on protecting price while offering terms. ## Answers, definitions, and research - [FAQs](https://www.ratiotech.com/faqs): How Ratio works, underwriting, funding mechanics, pricing, security, billing, and renewals, in question-and-answer form. - [Glossary](https://www.ratiotech.com/glossary): Definitions for B2B payments, financing, and revenue terms, including Ratio's own product terms. Individual entries are listed under Optional. - [Blog](https://www.ratiotech.com/blog): Editorial and educational articles for revenue, finance, and RevOps teams. - [All resources](https://www.ratiotech.com/all-resources): Single index of articles, case studies, calculators, and guides. - [Newsroom](https://www.ratiotech.com/newsroom): Company news, funding announcements, and press coverage. ## Topic hubs - [The Closing Motion](https://www.ratiotech.com/blog-categories/closing-motion): Articles on the close itself: sales cycle, quote-to-cash, and deal velocity. - [Proposals & CPQ](https://www.ratiotech.com/blog-categories/proposals-cpq): Articles on proposals, CPQ, and sales tooling. - [B2B BNPL & Payment Terms](https://www.ratiotech.com/blog-categories/b2b-buy-now-pay-later): Articles on B2B BNPL and buyer payment terms. - [Billing & Accounts Receivable](https://www.ratiotech.com/blog-categories/billing-accounts-receivable): Articles on billing, receivables, and payment operations. - [Working Capital & Funding](https://www.ratiotech.com/blog-categories/working-capital-funding): Articles on working capital, funding options, and capital structure. - [Pricing & Packaging](https://www.ratiotech.com/blog-categories/pricing-packaging): Articles on pricing strategy and packaging. - [Renewals & Retention](https://www.ratiotech.com/blog-categories/renewals-retention): Articles on renewals, churn, and retention. - [SaaS Growth & Strategy](https://www.ratiotech.com/blog-categories/saas-growth-strategy): Articles on SaaS growth strategy and operating metrics. ## Company and contact - [About us](https://www.ratiotech.com/about-us): Founding story, funding history, milestones, and leadership. - [Book a demo](https://www.ratiotech.com/book-a-demo): Book a live walkthrough with the Ratio team. - [Get started](https://www.ratiotech.com/get-started): Entry point for sellers who want to start using Ratio. - [Contact](https://www.ratiotech.com/contact-us): Contact routes for sales, partnerships, and support. ## Optional Long-tail pages. An agent working with a limited context can skip this section. ### Articles — The Closing Motion - [5 Game-Changing Ways to Close High-Value SaaS Deals Faster (Beyond Traditional Sales Tactics)](https://www.ratiotech.com/blog/increasing-saas-deal-close-rates) - [5 Proven Strategies for B2B SaaS and Tech Companies to Accelerate Sales Cycles](https://www.ratiotech.com/blog/b2b-saas-and-tech-accelerate-sales-cycles) - [Broken Quote-to-Cash? How to Fix it to Unlock SaaS Growth](https://www.ratiotech.com/blog/broken-quote-to-cash-saas) - [Deal Signed, No Cash in the Bank! Guess the Missing Piece in Your SaaS Quote-to-Cash Process](https://www.ratiotech.com/blog/b2b-missing-piece-quote-to-cash) - [How to Improve Cash Flow in B2B SaaS Sales (Without Delays, Discounts, or Sales–Finance Drama)](https://www.ratiotech.com/blog/how-to-improve-cash-flow-b2b-saas-sales-finance) - [Match Pricing: Good for Buyers, Good for Sellers](https://www.ratiotech.com/blog/match-pricing) - [Ratio Emerges From Stealth; Secures $411M to Transform B2B SaaS Payments, Financing, and Pricing](https://www.ratiotech.com/blog/ratio-secures-411m-transforming-b2b-saas-payments) - [Secret weapon for Tech companies to accelerate deals and improve cash flow](https://www.ratiotech.com/blog/secret-weapon-for-tech-companies-to-accelerate-deals) - [The B2B SaaS Sales Cycle Explained: Stages, Benchmarks, and Where Deals Go to Die](https://www.ratiotech.com/blog/b2b-saas-sales-cycle-explained) ### Articles — Proposals & CPQ - [5 Best Proposal Management Software for B2B SaaS in 2026 That Solves What Proposal Tools Can't](https://www.ratiotech.com/blog/best-proposal-management-software) - [5 Cash-Advancing CPQ Benefits You Need to Know Before Selecting a CPQ Software](https://www.ratiotech.com/blog/b2b-cash-advancing-cpq-benefits) - [6 B2B Sales Enablement Tools You Did Not Know Existed (But Your Competitors Might)](https://www.ratiotech.com/blog/best-b2b-sales-enablement-tools) - [B2B SaaS Sales Proposal Software That Actually Improves Close Rates in 2026](https://www.ratiotech.com/blog/b2b-sales-proposal-software) - [High-Rated CPQ Software for Quote-to-Cash: Why Ratio Boost Beats the Usual Suspects](https://www.ratiotech.com/blog/b2b-high-rated-cpq-software-for-quote-to-cash) - [How CPQ with Embedded Financing Fuels SaaS Growth](https://www.ratiotech.com/blog/b2b-cpq-embedded-financing-saas-growth) - [How to Reduce SaaS Sprawl in Your Sales Tech Stack Without Slowing Down](https://www.ratiotech.com/blog/b2b-saas-sprawl-sales-tech-stack) - [Quote-to-Cash Solutions for SaaS: Why Legacy Platforms Fall Short and What Modern SaaS Teams Need in 2026](https://www.ratiotech.com/blog/quote-to-cash-solutions) - [The Best CPQ Software for SaaS Companies in 2025](https://www.ratiotech.com/blog/b2b-cpq-for-saas) - [The Ultimate B2B Sales Tools Guide: Build a Lean, Connected Stack for Faster Revenue](https://www.ratiotech.com/blog/b2b-sales-tools-guide) - [Top 5 Quote-to-Cash Software Platforms for B2B SaaS in 2025 (Ranked by Revenue Impact)](https://www.ratiotech.com/blog/b2b-quote-to-cash-software) - [Which Proposal Software Is Right for Your SaaS Team in 2026? Here Are 4 Worth Comparing](https://www.ratiotech.com/blog/b2b-proposal-software-saas) ### Articles — B2B BNPL & Payment Terms - [5 Benefits of Offering B2B BNPL(Buy Now, Pay Later) to SMB Clients](https://www.ratiotech.com/blog/benefits-b2b-bnpl-smb-clients) - [5 Benefits of Offering B2B Buy Now, Pay Later (BNPL) to Enterprise Clients](https://www.ratiotech.com/blog/benefits-b2b-buy-now-pay-later-bnpl-enterprise) - [An Entrepreneur's Guide to B2B Payment Flexibility](https://www.ratiotech.com/blog/an-entrepreneurs-guide-to-b2b-payment-flexibility) - [Answers to the 10 Most Asked Questions About B2B Buy Now Pay Later](https://www.ratiotech.com/blog/b2b-buy-now-pay-later-questions-answers) - [B2B Payment Flexibility: 5 Common Mistakes to Avoid for a Successful Implementation](https://www.ratiotech.com/blog/b2b-payment-flexibility) - [Comparing B2B BNPL Providers: What to Look for and Why It Matters](https://www.ratiotech.com/blog/comparing-b2b-bnpl-providers) - [How Does B2B BNPL Work? A Practical Guide for SaaS Sales Leaders](https://www.ratiotech.com/blog/guide-how-does-b2b-bnpl-work) - [How Leaders Can Maximize Buy Now, Pay Later In SaaS Sales Processes](https://www.ratiotech.com/blog/maximize-bnpl-in-saas-sales-processes) - [How SaaS Businesses Benefit from Buy Now, Pay Later](https://www.ratiotech.com/blog/how-saas-businesses-benefit-from-buy-now-pay-later) - [How Subscription Businesses Can Increase Total Contract Value with Buy Now, Pay Later](https://www.ratiotech.com/blog/how-subscription-businesses-can-increase-with-buy-now-pay-later) - [How ‘Consumerization' Is Redefining B2B Payments: The Rise of BNPL in Business](https://www.ratiotech.com/blog/how-consumerization-is-redefining-b2b-payments-the-rise-of-bnpl-in-business) - [Is Payment Flexibility Hurting Your Business In Ways You Didn't Know?](https://www.ratiotech.com/blog/b2b-saas-payment-flexibility) - [The Answers You're Looking For — Before You Choose Buy Now Pay Later for Your B2B Business](https://www.ratiotech.com/blog/b2b-buy-now-pay-later-for-business-questions) - [The B2B BNPL Playbook for SaaS and Technology Sellers](https://www.ratiotech.com/blog/b2b-bnpl-guide-saas-tech) - [Top 5 BNPL Companies Compared: Find the Perfect Buy Now, Pay Later Partner for Your SaaS Business](https://www.ratiotech.com/blog/b2b-bnpl-companies) - [Top Five Things to Evaluate When Choosing a B2B BNPL Provider](https://www.ratiotech.com/blog/choosing-b2b-bnpl-provider) - [Weigh the Pros and Cons of Upfront Payments for B2B SaaS Companies Before You Demand It](https://www.ratiotech.com/blog/b2b-pros-cons-upfront-payments) - [What Difference Does it Make to Offer Payment Flexibility With and Without a B2B BNPL Partner?](https://www.ratiotech.com/blog/payment-flexibility-with-and-without-b2b-bnpl-partner) ### Articles — Billing & Accounts Receivable - [5 B2B Collections Best Practices Every SaaS Company Needs to Implement Now](https://www.ratiotech.com/blog/b2b-collections-best-practices-saas-company) - [5 Best SaaS Billing Software Solutions for B2B in 2025 (Comparison Guide)](https://www.ratiotech.com/blog/b2b-saas-billing-software) - [Beyond Accounts Receivable Management Software (2025 Edition)](https://www.ratiotech.com/blog/b2b-top-accounts-receivable-management-software) - [How Do High-Volume Teams Automate B2B Billing and Collections in 2025 — Without Breaking Ops](https://www.ratiotech.com/blog/discover-how-high-volume-teams-automate-b2b-billing-collections) - [Our Top Picks for SaaS Subscription Billing Solutions in 2025](https://www.ratiotech.com/blog/b2b-saas-subscription-billing-solutions) - [SaaS Billing Best Practices: Building for Growth, Efficiency & Cash Flow](https://www.ratiotech.com/blog/saas-billing-best-practices) - [SaaS Subscription Management Playbook of 2025 for SaaS Sellers](https://www.ratiotech.com/blog/b2b-saas-subscription-management) - [Six Best Stripe Alternatives and Extensions for B2B SaaS Billings (2025 Edition)](https://www.ratiotech.com/blog/stripe-alternatives-extensions-b2b-saas-billing-bnpl) - [Stripe Billing Alternatives: Why B2B SaaS Needs More Than a Payments Tool](https://www.ratiotech.com/blog/stripe-billing-alternatives-billing-extension-b2b) - [Subscription Billing Software Options That Go Beyond Just Billing (2025 edition)](https://www.ratiotech.com/blog/saas-subscription-billing-software) - [Top 4 SaaS Finance Software Options to Speed Up Sales and Simplify Finance Operations in 2026](https://www.ratiotech.com/blog/saas-finance-software-sales) ### Articles — Working Capital & Funding - [3 Top Revenue-Based Financing Solutions in the USA](https://www.ratiotech.com/blog/top-revenue-based-financing-solutions) - [3 US-Based Recurring Revenue Financing Partners to Look at in 2024](https://www.ratiotech.com/blog/3-us-based-recurring-revenue-financing-partners) - [4 SaaS Financing Options to Help Growth-Stage B2B Startups Scale Smarter](https://www.ratiotech.com/blog/b2b-saas-financing-options-growth-stage-startups) - [5 Best Equipment Financing Companies for 2026 (Traditional, Fintech & Embedded BNPL Compared)](https://www.ratiotech.com/blog/equipment-financing-companies) - [5 Compelling Reasons for B2B SaaS Firms to Opt for Revenue-Based Loans](https://www.ratiotech.com/blog/5-compelling-reasons-for-b2b-saas-firms-to-opt-for-revenue-based-loans) - [5 Game-Changing B2B SaaS Cash Flow Tactics Every SaaS CEO Needs to Know in 2025](https://www.ratiotech.com/blog/saas-cash-flow-tactics) - [5 Key Solutions for SaaS VARs to Overcome Financial Hurdles](https://www.ratiotech.com/blog/5-key-solutions-for-saas-vars-to-overcome-financial-hurdles) - [5 Things to Look for in an Ideal Subscription-Based Financing Partner](https://www.ratiotech.com/blog/5-things-to-look-for-in-an-ideal-subscription-based-financing-partner) - [6 Red Flags to Watch for When Evaluating Recurring Revenue Financing Partners](https://www.ratiotech.com/blog/6-red-flags-to-watch-for-when-evaluating-recurring-revenue-financing-partners) - [B2B Financing: How to Avoid Common Pitfalls and Ensure a Successful Financial Partnership](https://www.ratiotech.com/blog/b2b-financing-how-to-avoid-common-pitfalls-and-ensure-a-successful-financial-partnership) - [Beyond SaaS Capital: How to Get Cash Upfront Without Traditional Debt](https://www.ratiotech.com/blog/b2b-saas-capital-vs-ratio) - [Capchase Alternatives: Finding the Right B2B Financing Solution](https://www.ratiotech.com/blog/capchase-alternatives) - [Capchase Competitors and Alternatives for Revenue-Based Financing](https://www.ratiotech.com/blog/capchase-competitors-and-alternatives) - [Choosing the Right B2B SaaS Lending Platform: A Guide to the Top 6 Solutions](https://www.ratiotech.com/blog/b2b-saas-lending-platform) - [Diversify Your Capital Stack to Drive Lasting Growth](https://www.ratiotech.com/blog/diversify-capital-stack) - [Exploring Pipe Competitors and Alternatives: An In-Depth Analysis](https://www.ratiotech.com/blog/pipe-competitors-and-alternatives) - [Five Fintech Solutions That Can Help SaaS Startups Win More Customers](https://www.ratiotech.com/blog/five-fintech-solutions-for-saas-customer-growth) - [Five Use Cases of B2B Embedded Finance for SaaS Businesses](https://www.ratiotech.com/blog/five-use-cases-of-b2b-embedded-finance-for-saas-businesses) - [How Can B2B SaaS Companies Increase Working Capital in 2025?](https://www.ratiotech.com/blog/how-to-increase-working-capital-b2b-saas) - [How SaaS Companies Can Sell More During a Downturn](https://www.ratiotech.com/blog/how-saas-companies-can-sell-more) - [How To Navigate Alternative Financing For Tech Entrepreneurs](https://www.ratiotech.com/blog/alternative-financing-for-tech-entrepreneurs) - [How to Survive the SaaS Funding Crunch](https://www.ratiotech.com/blog/surviving-the-saas-funding-crunch) - [Lighter Capital Review and Alternatives for B2B SaaS Businesses](https://www.ratiotech.com/blog/lighter-capital-review-and-alternatives-for-b2b-saas-businesses) - [Optimizing Robotics-as-a-Service Models for Subscription Economy](https://www.ratiotech.com/blog/optimizing-robotics-as-a-service-models-for-subscription-economy) - [Pros and Cons of Venture Capital: Is it Right for Your Startup?](https://www.ratiotech.com/blog/pros-and-cons-of-venture-capital) - [Raising Capital And Optimizing Structure In The Subscription Economy](https://www.ratiotech.com/blog/raising-capital-optimizing-structure-subscription-economy) - [Rethinking Fundraising Could Be the Key To Retaining Talent During Tough Times](https://www.ratiotech.com/blog/retaining-talent) - [Revenue-Based Financing: A Powerful Tool for CEOs](https://www.ratiotech.com/blog/revenue-based-financing-rbf-a-powerful-tool-for-ceos) - [SaaS Payments Are Evolving. Here's What That Means for Your Financial Forecasts](https://www.ratiotech.com/blog/saas-payments-are-evolving-heres-what-that-means-for-your-financial-forecasts) - [Searching for Embedded Finance B2B Platforms? Here's What Most SaaS Teams Use in 2025](https://www.ratiotech.com/blog/embedded-finance-b2b-platforms-saas) - [The 4 Robotics Equipment Financing Partners Every Hardware Company Should Know](https://www.ratiotech.com/blog/robotics-equipment-financing-partners) - [The 6 Best Embedded Finance Companies Powering B2B SaaS Growth in 2026](https://www.ratiotech.com/blog/embedded-finance-companies) - [The Entrepreneur's Roadmap to Acquiring Non-Dilutive Funding](https://www.ratiotech.com/blog/the-entrepreneurs-roadmap-to-acquiring-non-dilutive-funding) - [The Pros and Cons of Short-Term Financing Every B2B SaaS Company Should Know Before Taking Cash](https://www.ratiotech.com/blog/b2b-pros-cons-short-term-financing) - [Three Untapped Sources of Working Capital for Your SaaS Business](https://www.ratiotech.com/blog/three-untapped-sources-of-working-capital-for-your-saas-business) - [Top 5 Flexible Financing Options SaaS Companies Can Choose From in 2025](https://www.ratiotech.com/blog/b2b-flexible-financing-options-saas) - [Top Alternative to VC Funding for Entrepreneurs - TBF](https://www.ratiotech.com/blog/top-alternative-to-vc-funding) - [Top Five Vendor Financing Companies: A Practical Comparison for B2B SaaS Teams](https://www.ratiotech.com/blog/vendor-financing-companies) - [Understanding Recurring Revenue Financing: A Comprehensive Guide for SaaS Businesses](https://www.ratiotech.com/blog/recurring-revenue-financing-for-saas-businesses) - [What Is Vendor Financing? And Why It Matters for B2B SaaS Companies in 2025](https://www.ratiotech.com/blog/b2b-saas-vendor-financing-companies) - [Why CEOs Need to Get Strategic About Fundraising](https://www.ratiotech.com/blog/why-ceos-need-to-get-strategic-about-fundraising) - [Why Cash is King for Today's SaaS Vendors – How To Extend Your Runway](https://www.ratiotech.com/blog/cash-is-king-for-saas-vendors-extend-runway) - [With a Recession Looming, Startups Need a New Way to Raise Capital](https://www.ratiotech.com/blog/new-way-to-raise-capital) ### Articles — Pricing & Packaging - [For SaaS Vendors, Pricing and Payments Are the Keys to a Better Buyer Experience and Monetization](https://www.ratiotech.com/blog/pricing-and-payments-key-to-better-experience) - [How to Choose the Right B2B Pricing Software in 2026 for Your Subscription Business](https://www.ratiotech.com/blog/b2b-pricing-software-subscription) - [How to Eliminate Sticker Shock for Periodic, Consumption, or Metered SaaS Pricing](https://www.ratiotech.com/blog/eliminate-sticker-shock-consumption-metered-saas-pricing) - [Price vs. Value: Get the Most From Your SaaS Pricing Strategy](https://www.ratiotech.com/blog/price-vs-value-saas-pricing-strategy) - [Rethink Pricing Strategy to Close More SaaS Deals](https://www.ratiotech.com/blog/rethink-pricing-strategy-close-more-deals) - [Seven B2B SaaS Pricing Models and How to Choose the Right One](https://www.ratiotech.com/blog/seven-b2b-saas-pricing-models-and-how-to-choose-the-right-one) - [The Trouble With Usage-Based SaaS Pricing](https://www.ratiotech.com/blog/trouble-with-usage-based-saas-pricing) - [What is Your B2B SaaS Solution Really Worth?](https://www.ratiotech.com/blog/whats-your-b2b-saas-worth) - [Why Your SaaS Pricing Strategy Could Make Or Break Your Business](https://www.ratiotech.com/blog/why-saas-pricing-strategy-matters) ### Articles — Renewals & Retention - [5 Proven Ways to Reduce Churn During SaaS Renewals](https://www.ratiotech.com/blog/5-proven-ways-to-reduce-churn-during-saas-renewals) - [Clawback Commissions: What SaaS Sales Leaders Must Know ( And How to Minimize Them)](https://www.ratiotech.com/blog/clawback-commissions-guide-for-b2b-saas-sales-leaders) - [Five Ways To Reduce Downselling During SaaS Renewals](https://www.ratiotech.com/blog/reduce-downsells-maximize-saas-renewals) ### Articles — SaaS Growth & Strategy - [5 Ways B2B SaaS Can Accelerate ARR Growth](https://www.ratiotech.com/blog/5-ways-b2b-saas-can-accelerate-arr-growth) - [5 Ways to Lower SaaS Customer Acquisition Cost for your SaaS](https://www.ratiotech.com/blog/5-ways-to-lower-saas-customer-acquisition-cost-for-your-saas) - [Burn Multiple Explained: 5 Proven Ways for SaaS CEOs To Reduce Burn Multiple](https://www.ratiotech.com/blog/five-ways-to-reduce-burn-multiple) - [How to Turn the Tech Downturn Into an Opportunity](https://www.ratiotech.com/blog/how-to-turn-the-tech-downturn-into-an-opportunity) - [It's Time to Rewrite the Rulebook for SaaS Businesses](https://www.ratiotech.com/blog/rewrite-saas-business-rulebook) - [Managing Core SaaS Metrics is Getting Harder: Here's the Solution](https://www.ratiotech.com/blog/managing-core-saas-metrics-is-getting-harder-heres-the-solution) - [SaaS Growth Strategy: 7 Innovative Approaches and Common Pitfalls to Avoid for Your B2B SaaS](https://www.ratiotech.com/blog/saas-growth-strategy-7-innovative-approaches-and-common-pitfalls-to-avoid-for-your-b2b-saas) ### Glossary entries - [Accounts Receivable (AR)](https://www.ratiotech.com/glossary/accounts-receivable) - [ACH (Automated Clearing House)](https://www.ratiotech.com/glossary/ach) - [ACV](https://www.ratiotech.com/glossary/acv) - [Annual Contract Value (ACV)](https://www.ratiotech.com/glossary/annual-contract-value) - [Annual Recurring Revenue (ARR)](https://www.ratiotech.com/glossary/annual-recurring-revenue) - [API](https://www.ratiotech.com/glossary/api) - [APR (Annual Percentage Rate)](https://www.ratiotech.com/glossary/apr) - [Bridge Financing](https://www.ratiotech.com/glossary/bridge-financing) - [Buy Now, Pay Later (BNPL)](https://www.ratiotech.com/glossary/buy-now-pay-later) - [Cap Table (Capitalization Table)](https://www.ratiotech.com/glossary/cap-table) - [Cash Flow](https://www.ratiotech.com/glossary/cash-flow) - [Collections](https://www.ratiotech.com/glossary/collections) - [Configure, Price, Quote (CPQ)](https://www.ratiotech.com/glossary/configure-price-quote) - [Conversion Rate](https://www.ratiotech.com/glossary/conversion-rate) - [Covenants (Restrictive Covenants in Financing)](https://www.ratiotech.com/glossary/financing-covenants) - [Credit Risk](https://www.ratiotech.com/glossary/credit-risk) - [Customer Acquisition Cost (CAC)](https://www.ratiotech.com/glossary/customer-acquisition-cost) - [Customer Churn (Churn Rate)](https://www.ratiotech.com/glossary/customer-churn-rate) - [Customer Lifetime Value (CLTV or LTV)](https://www.ratiotech.com/glossary/customer-lifetime-value) - [Customer Relationship Management (CRM)](https://www.ratiotech.com/glossary/customer-relationship-management) - [Debt Financing](https://www.ratiotech.com/glossary/debt-financing) - [Dilution (Equity Dilution)](https://www.ratiotech.com/glossary/equity-dilution) - [Dunning](https://www.ratiotech.com/glossary/dunning) - [EBITDA](https://www.ratiotech.com/glossary/ebitda) - [Embedded Finance](https://www.ratiotech.com/glossary/embedded-finance) - [Embedded Financing (Embedded Lending)](https://www.ratiotech.com/glossary/embedded-financing) - [Equity Financing](https://www.ratiotech.com/glossary/equity-financing) - [ERP (Enterprise Resource Planning)](https://www.ratiotech.com/glossary/erp) - [Expansion Revenue](https://www.ratiotech.com/glossary/expansion-revenue) - [Factoring (Invoice Factoring / Receivables Financing)](https://www.ratiotech.com/glossary/factoring-invoice-factoring-receivables-financing) - [Fintech](https://www.ratiotech.com/glossary/fintech) - [Flat-Rate Pricing](https://www.ratiotech.com/glossary/flat-rate-pricing) - [GDPR (General Data Protection Regulation)](https://www.ratiotech.com/glossary/gdpr) - [Go-to-Market (GTM)](https://www.ratiotech.com/glossary/go-to-market-strategy) - [Gross Margin](https://www.ratiotech.com/glossary/gross-margin) - [Growth Capital](https://www.ratiotech.com/glossary/growth-capital) - [KYC (Know Your Customer)](https://www.ratiotech.com/glossary/kyc) - [Market Penetration](https://www.ratiotech.com/glossary/market-penetration) - [Merchant Cash Advance (MCA)](https://www.ratiotech.com/glossary/merchant-cash-advance) - [Milestone-Based Billing](https://www.ratiotech.com/glossary/milestone-based-billing) - [Monthly Recurring Revenue (MRR)](https://www.ratiotech.com/glossary/monthly-recurring-revenue) - [Net Dollar Retention (NDR) / Net Revenue Retention (NRR)](https://www.ratiotech.com/glossary/net-dollar-retention) - [Operating Cash Flow](https://www.ratiotech.com/glossary/operating-cash-flow) - [Payback Period (CAC Payback)](https://www.ratiotech.com/glossary/cac-payback-period) - [Payment Terms (Net Terms)](https://www.ratiotech.com/glossary/payment-terms) - [PCI-DSS](https://www.ratiotech.com/glossary/pci-dss) - [Product-Led Growth (PLG)](https://www.ratiotech.com/glossary/product-led-growth) - [Quote-to-Cash (Q2C)](https://www.ratiotech.com/glossary/quote-to-cash) - [Ratio Boost](https://www.ratiotech.com/glossary/ratio-boost) - [Ratio Trade](https://www.ratiotech.com/glossary/ratio-trade) - [Renewals](https://www.ratiotech.com/glossary/renewals) - [Revenue Operations (RevOps)](https://www.ratiotech.com/glossary/revenue-operations) - [Revenue-Based Financing (RBF)](https://www.ratiotech.com/glossary/revenue-based-financing) - [Risk-Based Pricing](https://www.ratiotech.com/glossary/risk-based-pricing) - [ROI (Return on Investment)](https://www.ratiotech.com/glossary/roi) - [Rule of 40](https://www.ratiotech.com/glossary/rule-of-40) - [Runway](https://www.ratiotech.com/glossary/runway) - [Sales Cycle](https://www.ratiotech.com/glossary/sales-cycle) - [SMB (Small and Medium-Sized Business)](https://www.ratiotech.com/glossary/smb) - [TCV (Total Contract Value)](https://www.ratiotech.com/glossary/tcv) - [Underwriting](https://www.ratiotech.com/glossary/underwriting) - [Upsell](https://www.ratiotech.com/glossary/upsell) - [Value-Added Reseller (VAR)](https://www.ratiotech.com/glossary/value-added-reseller) - [Value-Based Pricing](https://www.ratiotech.com/glossary/value-based-pricing) - [VAT (Value Added Tax)](https://www.ratiotech.com/glossary/vat) - [Venture Debt](https://www.ratiotech.com/glossary/venture-debt) - [Warrants](https://www.ratiotech.com/glossary/warrants) - [Working Capital](https://www.ratiotech.com/glossary/working-capital) ### People - [Ashish Srimal](https://www.ratiotech.com/people/ashish-srimal): Co-founder & CEO at Ratio - [Bruno Siqueira](https://www.ratiotech.com/people/bruno-siqueira): Senior Backend Engineer - [Bryan Bachman](https://www.ratiotech.com/people/bryan-bachman): Account Executive - [Carlos Chou](https://www.ratiotech.com/people/carlos-chou): Chief Commercial Officer - [Chase Hughes](https://www.ratiotech.com/people/chase-hughes): Dr. of Product Management - [Djysyl Ducut](https://www.ratiotech.com/people/djysyl-ducut): SDR - [Ernani Sottomaior](https://www.ratiotech.com/people/ernani-sottomaior): Software Engineer - [Gus Guida](https://www.ratiotech.com/people/gus-guida): VP of Sales & Marketing - [Ignacio Bellini](https://www.ratiotech.com/people/ignacio-bellini): Marketing Manager - [Kamal Rajpurohit](https://www.ratiotech.com/people/kamal-rajpurohit): Sr. Finance Analyst - [Lucas Pereira](https://www.ratiotech.com/people/lucas-pereira): Senior Backend Engineer - [Maria Mera](https://www.ratiotech.com/people/maria-mera): Frontend Engineer - [Marlon Chalegre](https://www.ratiotech.com/people/marlon-chalegre): Software Engineer - [Mason Blake](https://www.ratiotech.com/people/mason-blake): Co-founder & CTO - [Megan Gaunt](https://www.ratiotech.com/people/megan-gaunt): Operations Manager - [Mia Komel](https://www.ratiotech.com/people/mia-komel): Sr. Product Manager - [Nick Hanson](https://www.ratiotech.com/people/nick-hanson-25pd8): Account Executive - [Perry Narancic](https://www.ratiotech.com/people/perry-narancic): Chief Legal Officer - [Rachel Cunico](https://www.ratiotech.com/people/rachel-cunico): Director of Product at Ratio - [Rahul Govind](https://www.ratiotech.com/people/rahul-govind): Risks & Ops - [Ratio Team](https://www.ratiotech.com/people/ratio-team) - [Roman Davyskyba](https://www.ratiotech.com/people/roman-davyskyba): Risks & Ops - [Sangam Singh](https://www.ratiotech.com/people/sangam-singh): VP of Engineering - [Satish Jajodia](https://www.ratiotech.com/people/satish-jajodia): Chief Risk Officer - [Shan Gupta](https://www.ratiotech.com/people/shan-gupta): Head of Operations - [Stephen Kinok](https://www.ratiotech.com/people/stephen-kinok): SDR Manager - [Victhor Campos](https://www.ratiotech.com/people/victhor-campos): Software Engineer ### Open roles - [Business Development Representative](https://www.ratiotech.com/careers/bdr) - [Senior Treasury Analyst](https://www.ratiotech.com/careers/senior-treasury-analyst-83nc1) ### Legal - [Terms of Use](https://www.ratiotech.com/legal/terms-of-use) - [Privacy Policy](https://www.ratiotech.com/legal/privacy-policy) - [GDPR and DPA](https://www.ratiotech.com/legal/gdpr-dpa)