The Flexibility to Pay Your Way. The Vendor You Already Chose.

Q: How is Ratio different from revenue-based financing or ARR-financing providers?

Those providers do one thing: convert signed revenue into capital, after the close, with fees you absorb. Ratio runs the close itself, and the capital is built into the motion on both sides: Boost pays you upfront on every new deal while your buyer pays over time, and Trade advances a lump sum against the book you've already built.

Q: Isn't Trade the same as ARR financing?

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.

Q: Does Ratio replace our CPQ, e-sign, and billing tools, or integrate with them?

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.

Q: Are we taking on debt or dilution to 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.

Q: Why not just discount for annual prepay?

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.

Q: Where can I see comparisons against a specific provider?

See our individual comparison pages linked below for side-by-side detail against named alternatives.

Question 1

Who is Ratio, and why am I seeing them in this proposal?

Answer

Ratio is the platform your vendor uses to offer flexible payment terms inside their proposal. Instead of asking you to apply for financing somewhere else, your vendor puts payment options directly in the proposal so you can pick a schedule that fits your cash flow and sign in one place. The proposal, the contract, and the relationship are all with your vendor. Ratio runs the payments behind the scenes.

Question 2

Is this a loan? Will it affect my credit?

Answer

This isn't a personal loan. You're paying your vendor on a schedule, similar to the net terms you might already have with other vendors. The total cost and the schedule are spelled out in the proposal you sign, so there are no surprise fees or runaway interest. Ratio may use your business's credit signals to set up the plan, the same way other B2B vendors do when they offer terms.

Question 3

Can I pay off the balance early, or change my payment method later?

Answer

Yes. You can pay off early with no penalty, adjust your payment method, and manage your account from the buyer portal Ratio gives you after signing.

Question 4

What happens if my cash flow changes and I need to adjust a payment?

Answer

Reach out through the buyer portal. Ratio can review options for adjusting timing, updating your payment method, or working out a new schedule. The goal is to keep a good relationship with you and your vendor, not to penalize reasonable requests.

Question 5

Is my information safe?

Answer

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.

Question 6

Do I have to use Ratio to buy from my vendor?

Answer

No. Ratio is an option your vendor offers to make paying easier. If you'd rather pay annually upfront or by another method your vendor accepts, that's between you and them. Ratio is there when flexible terms help.

The Flexibility to Pay Your Way. The Vendor You Already Chose.

You're Seeing Ratio Because Your Vendor Offers Flexible Terms.

Buy on Your Terms, Not Their Cash Flow Needs.

Match payments to your budget.

The full cost is on the page before you sign.

Business terms, not a personal loan.

Sign and pay in the same place.

From Proposal to Done in One Sitting.

Open the proposal your vendor sent.

Choose the payment terms that fit your budget.

Sign and submit your first payment on the same page.

Bank-Grade Security, Business-Level Data.

FAQS