Ratio Trade

Unlock Upfront Cash From Your ARR

Ratio underwrites your company, not individual contracts, and advances a lump sum against the revenue base you've already built. No dilution. No warrants. One predictable monthly payment.

Trusted by B2B technology scale-ups

Simple Process

From ARR to Cash in Days

Ratio Trade goes from onboarding to cash in four straightforward steps.

Step 1
Connect Your Systems

Link your banking, accounting, and billing systems through the Ratio portal with a few clicks. Finish your application in minutes.

Step 2
Get Underwritten

Ratio underwrites your company within 48 hours, looking at your ARR, retention, financials, and customer payment behavior. One underwrite covers your whole business. No contract-by-contract review.

Step 3
Get Your Indicative

Receive a lump-sum offer sized against your ARR. One number for the book you've built, not a price per contract.

Step 4
Receive Your Cash

Accept the offer and the lump sum hits your bank account in days, not months. Repay through fixed monthly payments over the agreed term.

Built For

From Startups to Enterprise

Ratio Trade works for any B2B technology company with strong contractual commitment to future cash flows. Venture-funded startups use it to extend runway without dilution. Large enterprises use it to optimize capital structure and unlock liquidity from the balance sheet. Bootstrapped companies use it as growth capital with no outside investors required.

What Drives Us

Capital on Your Terms

Ratio Trade gives you a new tool in the growth capital toolkit, distinct from venture debt,
equity, or revenue-based financing.

No Dilution

Equity is critical for building your company and compensating your team. Ratio Trade involves no dilution from selling equity or issuing warrants. Your cap table stays clean.

No Financial Covenants

No financial maintenance covenants and no restrictions on how you use the funds. No cumbersome reporting burden. Capital that doesn't run your company for you.

Underwritten on Your Business

One company-level underwrite unlocks a lump sum against your revenue base. No cherry-picking contracts, no per-contract negotiation, and one predictable monthly payment.

The Full Platform

Trade Covers the Book You Built. Boost Covers Every New Deal.

Trade unlocks cash from your existing ARR. Boost, the BNPL component of Ratio's Closing Motion platform, pays you upfront on every new deal while your buyer pays over time. Run them together and every dollar of revenue has an upfront-cash path. Customers running volume through Boost qualify for expanded Trade capacity and better pricing.

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
economics of using Ratio.

FAQS

Common questions about unlocking cash from your existing revenue.