
Trusted by B2B technology scale-ups
From ARR to Cash in Days
Ratio Trade goes from onboarding to cash in four straightforward steps.
Link your banking, accounting, and billing systems through the Ratio portal with a few clicks. Finish your application in minutes.
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.
Receive a lump-sum offer sized against your ARR. One number for the book you've built, not a price per contract.
Accept the offer and the lump sum hits your bank account in days, not months. Repay through fixed monthly payments over the agreed term.
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.

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.
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.

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FAQS
Common questions about unlocking cash from your existing revenue.










