Trusted by B2B technology scale-ups
The close is where good deals stall.
Most stalled deals don't fall apart on product or value. They fall apart on payment terms, buyer cash flow, and the gap between yes and cash. Three patterns sales leaders see every quarter.
You discount to force annual prepay, and ACV bleeds out.
Buyers want monthly. You need cash. The default workaround is a 10 to 20% discount to get them to annual. That discount is permanent. It sets the renewal anchor low and trains your reps to lead with price instead of value.
Verbal yes turns into "can we pay monthly?" before signature.
The room agrees on the deal. Then the buyer goes home, looks at their cash flow, and asks if they can pay over time. Your rep either renegotiates into a monthly billing arrangement that drags cash for a year, or stalls while the buyer "thinks about it." Cycles stretch, forecast slips, quarter pressure builds.
You lose deals you should win to buyer budget reality.
The owner wants the product. Their monthly cash flow doesn't have room for an annual prepay check. Your only lever is "let's revisit next quarter." The deal goes cold, or worse, your competitor offers the terms and wins.
Sell on value. Get paid like an enterprise.
No new tool for your reps to learn. No buyer redirect to a third-party financing form. No discounting to bridge the cash gap. Just the right offer at the right moment, with terms that both sides can say yes to in the same conversation.
Everything your reps need to close. None of the things that get in the way.
Built for B2B teams of any size whose buyers are mostly SMB. The owner is often the buyer, monthly cash flow is the real budget, and "can we pay over time?" is the question that decides the deal.
The right offer, recommended for every deal.
Ratio's AI Proposal Agent generates quotes and payment terms inside your sales workflow. It uses pricing history, contract context, underwriting signals, and buyer intent to recommend the structure most likely to close.
Flexible buyer payment terms, presented in the proposal.
Monthly, quarterly, semi-annual, or custom.
Instant credit decisions on 87% of deals.
Ratio's risk engine prices and approves the majority of deals automatically in under one second.
See which terms close, which don't.
Track win rates by payment structure, segment, deal size, and rep. Coach on the patterns that actually move conversion, not gut feel. Optimize your discounting policy with data instead of habit.
Lives where your reps already live.
Salesforce and HubSpot native. Deal data syncs automatically. No double entry, no separate tab to live in, no "remember to update the other system." Quotes, payment terms, signatures, and cash status all show up on the deal record.
What sales leaders see in the first quarter on Ratio.
+30%
Up to 30% higher close rates. Removing payment-term friction at the close converts deals that used to stall.
+25%
Up to 25% higher ACV. Stop discounting to force annual prepay. Sell on value, capture full price.
87%
87% of deals approved in under one second.Your reps see eligible terms before they pitch. No waiting on underwriting.
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