The Closing Motion Platform

From Proposal
to Cash.
One Platform.

Ratio unifies proposals, embedded BNPL, and collections into a single closing motion, so your buyers get flexible terms and you get paid upfront. No discounting. No billing drag. No fragmented handoffs.

Trusted by B2B technology scale-ups

How It Works

Close Deals in Four Steps

Ratio replaces the fragmented handoff between sales, finance, and billing with a connected flow that moves at the speed of your deals.

Step 1
Create a Proposal

Build customized proposals with flexible payment terms built in. Stand-alone or embedded in your CRM. Ratio's AI Proposal Agent helps structure the right offer using pricing, contract, and buyer intent signals.

Step 2
Buyer Says Yes

Your buyer commits on terms that work for their budget. No procurement headaches, no sticker shock. Ratio handles dynamic underwriting in less than a second with 87% of deals automatically priced and approved.

Step 3
You Get Paid Upfront

The moment the deal closes, Ratio pays you the full contract value upfront. Your buyer pays over time, but you do not wait. Cash at close, not 60 days later.

Step 4
Collections Stay Connected

Billing, renewals, and collections all stay in the same flow. No operational burden of custom payment schedules. No handoff to a separate billing team. Less revenue leakage, fewer errors.


+30%

Increase in win rates in SMB segments by removing budget friction from the sales process.

+60%

Revenue uplift on Ratio’s end-to-end Closing Motion platform

-50%

Reduction in discounts by moving buyers into flexible payments

Platform Capabilities

Everything You Need to Close Faster and Get Paid Sooner

Each piece of the closing motion, connected in one platform

Proposals

AI-Powered Proposals That Close

Generate quotes and payment terms directly within the sales workflow. Ratio's AI Proposal Agent uses proprietary data and models incorporating pricing, contract, underwriting, and buyer intent signals to help your team present the right commercial structure. No more guessing which terms will land.

Embedded BNPL

Flexible Terms for Buyers. Upfront Cash for You.

Offer your buyers the payment flexibility that makes it easy to say yes, while you receive the full contract value at close. Financing costs can be absorbed by the seller, passed to the buyer, or split. You decide what works for each deal.

Underwriting

Instant Credit Decisions. High Approval Rates.

Ratio's proprietary risk engine scores both the seller and the buyer using business credit data, contract signals, and behavioral patterns. 87% of deals are automatically priced and approved in less than one second. No personal credit pulls. No personal guarantees.

Billing & Collections

Automated Billing. Zero Operational Burden.

Leave burdensome billing and reconciliation behind. Ratio handles payment processing, custom payment schedules, and collections so your finance team can focus on strategic work instead of chasing invoices.

Renewals

Renewals That Stay in the Flow

Because proposals, payments, and collections live in one platform, renewals are not a separate process. Ratio keeps the closing motion connected from first deal through every renewal, reducing churn and preventing revenue leakage at the most critical moments.

Works With Your Stack

Connects to the Tools You Already Use

From Salesforce and HubSpot to QuickBooks, Stripe, and Recurly, Ratio plugs into your existing workflow. Connect your systems with a few clicks and start closing faster the same day.

See Your Numbers

How much Ratio can boost your bottom line?

Enter your deal metrics to see how Ratio accelerates your cash flow and increases close rates.
Our calculator models the impact of offering flexible payment terms while getting paid upfront. See your estimated annual cash acceleration, revenue uplift, and close rate improvement.

Ratio Trade

TURN THE ARR YOU'VE ALREADY BUILT INTO UPFRONT CASH

Ratio underwrites your company, not individual contracts, and advances a lump sum against your existing revenue base. One underwrite, one number, cash in your account in days. No dilution and no warrants, so your cap table stays clean. You repay in one predictable monthly payment, backed by the revenue you've already contracted.

here’s what they think of us

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
Founder & CEO

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
Founder & CEO
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.
David Keane
Founder & CEO

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.
David Keane
Founder & CEO
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
Joe Brown
Founder & CEO

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
Joe Brown
Founder & CEO
Ratio offers a powerful, often untapped, strategy for SaaS companies to accelerate sales and growth financing. In the past this has only been available to the largest companies in the world.
Doug Merritt
Former CEO

Ratio offers a powerful, often untapped, strategy for SaaS companies to accelerate sales and growth financing. In the past this has only been available to the largest companies in the world.
Doug Merritt
Former CEO
With Ratio, we can now leverage our recurring revenues to fuel our growth, optimize cash flow, and improve sales conversion - all without dilution.
Richard Whalen
Head of Finance

With Ratio, we can now leverage our recurring revenues to fuel our growth, optimize cash flow, and improve sales conversion - all without dilution.
Richard Whalen
Head of Finance
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 Proposal system.
Matt Woodrome
Director of Growth Initiatives

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 Proposal system.
Matt Woodrome
Director of Growth Initiatives
resources

Insights for Modern Revenue Teams

Explore how B2B technology scale-ups are transforming their closing motion.

Working Capital & Funding
The 6 Best Embedded Finance Companies Powering B2B SaaS Growth in 2026
Buyers want Net 60. You need upfront cash. Embedded finance closes that gap; if you pick the right partner. We break down 6 embedded finance companies for B2B SaaS, how they compare on speed, risk transfer, and workflow integration, and why Ratio Boost is the one built specifically for how SaaS teams sell.
Orange gradient card background for SaaS provider case study
Case study
How a SaaS Provider expanded their market with innovative FinTech solution
Working Capital & Funding
The 6 Best Embedded Finance Companies Powering B2B SaaS Growth in 2026
Buyers want Net 60. You need upfront cash. Embedded finance closes that gap; if you pick the right partner. We break down 6 embedded finance companies for B2B SaaS, how they compare on speed, risk transfer, and workflow integration, and why Ratio Boost is the one built specifically for how SaaS teams sell.

FAQs

Whether you lead sales, run operations, or own the numbers.