Flexible terms for them. One payout for you.
Your customer pays monthly. Ratio pays you the full contract value upfront. Same sale, same price. No discount, no debt, no dilution.
$100M+ in B2B contracts funded
B2B technology companies already selling on terms
$100M+ in contracts funded across the platform
Your buyer already finances the truck, the building and the equipment. Software is the last thing they are asked to pay for a year in advance.
“We love it — we just don’t have the budget right now.”
You did the work. They said yes. Then they asked to pay monthly, and suddenly you have three bad options.
Discount to force annual — and the discount never comes back
Ten to twenty percent off to pull the cash forward. That discount sets the renewal anchor low and teaches your reps to lead with price. You paid for cash timing with margin, permanently.
Accept monthly, and carry the year yourself
You booked the annual number and you collect it in twelve pieces. Finance forecasts against a promise, billing runs every month, and someone chases the late ones. Offering monthly is not the mistake. Paying the full cost of monthly is.
Or let it go cold
The owner wants it. Their monthly cash flow does not have room for a year upfront. Your only lever is next quarter — and next quarter your competitor offers terms and wins.
Same sale. Same price. The cash shows up when the deal does.
Terms in the proposal
Monthly, quarterly or custom, priced before you send it. Stand-alone or inside your CRM.
Your buyer picks & signs
A schedule that fits their cash flow. Ratio underwrites the buyer in seconds.
87% approved automatically in under one second
You get the full contract value
Ratio wires you the full contract value. Not in sixty days. Not in twelve installments.
Ratio bills and collects
Dunning, retries, reconciliation and renewal stay attached to the deal that started them.
Ratio finances your buyer, not you.
Your buyer enters a payment plan with Ratio for their contract. Ratio advances your side upfront. You are not borrowing, so nothing lands on your balance sheet as debt, and nothing touches your cap table.
✕ Not debt
Your buyer takes on the payment plan, not you — you are not borrowing, and nothing sits on your balance sheet as a loan.
✕ Not dilution
Nothing touches your equity or your cap table.
✕ Not factoring
Ratio underwrites the buyer before terms are shown, and manages billing and collections from there.
✕ Not a redirect
Your buyer never leaves your proposal or fills in a financing application. No closing-motion fragmentation.
Four people have to say yes. Here is what each one gets.
Grow on the merit of the product
Cash arrives upfront instead of trickling in, so the next deal is funded by the last one and not by your last raise.
A closing tool, not a concession
Payment flexibility becomes a closing tool instead of a concession. Stop discounting to force annual. Deals stop stalling at terms.
Cash at close, controls intact
Cash at close, exposure caps, underwriting controls, automated collections and a full audit trail. If a buyer stops paying, the recourse is structured, not a surprise.
One controlled flow in your CRM
One controlled flow with approval rules and an audit trail, inside the CRM your reps already use. Live in days, not a quarter.
Bootstrapped, selling to SMB, and set to triple.
+25%
average selling price
+20–30%
close rate
2–3×
ARR this year, cash collected upfront
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Motive — fleet management technology. Tens of millions in cash advanced through Ratio.
What you are actually choosing between
Same deal, same buyer, same contract value. Here is the high-level trade-off each option makes.
Discount for annual
Costs 10–20% of the deal, permanently, and resets the renewal anchor. Ratio’s fee is usually smaller than the discount you were already giving.
Bill monthly yourself
Cash arrives over twelve months, you carry the credit risk, and AR headcount scales with your customer count.
Venture debt
Covenants, warrants, monthly payments regardless of when your customers pay, and it sits on your balance sheet.
Revenue-based financing
Capital after the close. Never touches the proposal, the buyer’s terms, the billing or the renewal. Document-heavy underwriting on you.
Ratio
The buyer picks terms inside the proposal, you get the contract value upfront, and Ratio bills and collects. You choose who absorbs the fee.
Fees run 4–20% of contract value.
4–20%
The rate is set by term, size and buyer risk. You absorb it, pass it to the buyer, or split it — deal by deal.
Worked example
Contract (three-year)
$400K
Fee
9%
You receive, upfront
$364K
Instead of $33K a month for twelve months — and you were giving 15% away to get annual prepay.
Rates vary by deal and are subject to underwriting.
See whether you qualify in about five minutes.
✓ You sell B2B in the United States or Canada
✓ At least $1M in ARR
✓ Contracts from about $25K — most we finance land between $200K and $1M
✓ Ideally a service you could suspend for nonpayment — helpful, but not required. Either way, Ratio underwrites both the buyer and the seller.
The six questions everyone asks
Bring one deal you lost to budget.
Twenty minutes with our team, on your numbers. If Ratio does not work for your contract sizes, we will tell you on the call.
⚡ You’ll hear from us in under 24 hours
No pitch deck. No countdown timers. No pressure to decide on the call.
Book my 20 minutes
Five quick fields. No credit card, no commitment.
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