Cash certainty at close. Cleaner books from there.
Trusted by B2B technology scale-ups
The cost of selling on terms shows up in your ledger.
When sales offers flexible terms and finance doesn't have a way to monetize them, the entire downstream operation absorbs the gap. Three pains every finance leader at a scale-up recognizes.
AR grows faster than cash.
Bookings look great. The bank account doesn't. You're carrying receivables that won't convert for months, financing your own growth out of working capital, and watching DSO drift in the wrong direction.
Collections and write-offs are eating your team.
Custom payment schedules, dunning, late invoices, partial payments, and write-offs. Your AR team scales linearly with your customer count. Every reconciliation cycle costs time you don't have.
You're funding receivables with equity or debt.
To bridge the gap between bookings and cash, you raise. Equity dilutes. Venture debt comes with covenants, warrants, and monthly payments regardless of when customers actually pay. The capital cost of your own growth keeps going up.
Cash at close. Collections workflow off your team's plate.
No debt. No dilution. No warrants. No personal guarantees. No covenants. You're not borrowing to get the cash, you're getting paid because the buyer is on a payment plan with Ratio. The cash is yours when the buyer signs, not when they pay over the next twelve months.
Everything you need to close the books on time, every month.
A unified system that connects deal economics to cash receipts to billing to renewals. One data model, fewer reconciliations.
The deals most likely to write off never get approved.
Ratio underwrites every buyer before terms are even presented in the proposal. 87% of deals are priced and approved automatically in under one second. The deals that don't qualify are the ones most likely to age into write-offs anyway. Customers running on Ratio see bad debt drop by up to 25%, because risk gets filtered at the front of the funnel rather than chased at the back.
Automated billing and collections.
Custom payment schedules, dunning, retries, payment processing, and reconciliation handled by Ratio. Your team stops chasing invoices and starts doing strategic work.
Default workflow, handled.
If a buyer stops paying mid-contract, Ratio coordinates with you to pause the service and reconcile the unused portion of the contract, so you stop delivering against a non-paying account. The recourse is structured, not a surprise. You keep what's been delivered and stop the bleeding on what hasn't.
One source of truth from contract to cash.
Contract value, payment schedule, cash received, and remaining receivable all live in one data model that syncs to your accounting system. Less manual mapping at month-end. Less risk of the seam between billing and books drifting apart.
Plugs into QuickBooks, NetSuite, Xero, and Sage.
Native integrations with the accounting systems and billing platforms your team already runs on. Plaid for bank verification, Stripe for processing, Chargebee and Recurly for subscription management.
What finance teams see in the first quarter on Ratio.
Cash same week, not 60+ days later
Industry mean from signature to first dollar is 14.7 days. Ratio collapses the wait to one motion.
Up to 25% lower bad debt
Better buyer underwriting upfront and a professional collections workflow on every account. Fewer write-offs landing in your AR queue.
No debt, no dilution
Cash to grow on, without raising or borrowing. No warrants, no covenants, no personal guarantees.
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