Close isn't a signature. Close is cash in the bank.
Every other tool in your stack stops at "signed." Ratio is the Closing Motion platform that runs the entire deal from proposal to cash, so your buyers pay over time while you get paid upfront. No discounting. No billing drag. No fragmented handoffs.
The problem with the old way.
Most B2B Tech companies treat the close as a signature, then wait on cash through a chain of disconnected tools and handoffs. The cost shows up everywhere: slow cash, longer cycles, discounting, write-offs, and renewal conversations poisoned by problems that started months earlier. Here's where the old way leaks value.
Signature is not cash.
37% of SaaS leaders call a deal closed before any payment is received. The mean wait from signature to first dollar is 14.7 days, and 64.2% of leaders wait eight days or more. Your CRM is celebrating at "Closed Won" while finance is still forecasting against a promise. Every day between yes and cash is a day of risk: buyers can change their mind, cash flow tightens, and the deal you "closed" can quietly shrink or disappear.
Monthly terms quietly tax the entire business.
Selling into SMB and mid-market means monthly terms. That isn't a concession, it's table stakes. The cost shows up later: cash arrives in fragments over twelve months, finance forecasts against promises instead of deposits, billing runs every month, and collections chases every late invoice. Offering monthly isn't the mistake. Paying the full operational and financial tax of monthly is.
The close is a handoff chain. Nothing owns the outcome.
Proposals live in one tool. E-signature in another. Billing somewhere else. Payments in yet another. Collections picks up the slack. Finance reconciles behind the scenes. The CRM tries to hold it together but sees none of the money. Each link is optimized for its own slice. None of them own the outcome the business actually cares about: cash in the bank.
The fragmented close vs. the Closing Motion.
Same deal, same buyer, same contract value. Two completely different outcomes. Here's what changes when proposals, buyer payment terms, financing, billing, and collections run as one motion instead of six.
Dimension
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The Closing Motion
The Old Way
How close is defined
Cash in your bank account
Signature on a PDF
Time from yes to cash
Same week, in full
14.7 days mean, often 60+
Buyer payment terms
Flexible terms in the proposal itself, no separate application
Annual prepay (with a discount) or monthly (you eat the cash drag)
Seller cash
Full contract value upfront at close, net of Ratio's fee
Trickles in monthly across the contract
Who runs billing and collections
Ratio's automated workflow. Better buyer underwriting upfront, fewer accounts age into write-off.
Your AR team. Aging accounts, dunning, payment retries, write-off decisions.
Discounting
Eliminated. Finance fee is typically smaller than the discount you used to give
10 to 20% off to force annual prepay
Tooling
One platform, one data model, one workflow, sitting on top of the CRM you already use
CPQ, e-sign, billing, payments, collections, accounting, all separately stitched
Underwriting
87% of deals priced and approved automatically in under one second
Slow, manual, or third-party redirect
Renewals
Stay connected to the same flow, no handoff
Inherit every problem from the original close
How you fund the cash gap
No debt, no dilution, no warrants, no covenants. The cash arrives because the buyer is on a payment plan with Ratio.
Equity dilution, venture debt, or working-capital lines, all with covenants or warrants
Operating system change
Stop running collections, stop forecasting against promises, stop fundraising to bridge receivables
Add another tool, add another team
One motion from proposal to cash. Built for the way modern B2B actually closes.
Closing Motion is the category. Ratio is the platform that runs all of it inside the CRM you already use. Five capabilities, one data model, one outcome: cash certainty at the moment of yes.
AI-POWERED PROPOSALS
Generate quotes and payment terms directly inside your sales workflow. The Ratio AI Proposal Agent combines pricing, contract history, underwriting, and buyer intent signals to recommend the offer most likely to close. No more guessing which terms will land, no more version-control churn, no more 35-hour proposal cycles.
EMBEDDED BNPL FOR B2B
Offer buyers the flexible monthly, quarterly, or custom terms that make it easy to say yes. The buyer commits inside the proposal itself, no separate financing application, no third-party redirect. 87% of deals are priced and approved automatically in under one second. You decide who absorbs the finance fee, you, the buyer, or split, deal by deal.
Cash upfront on every deal
The day the contract is signed, Ratio wires the contract value to your bank account, net of our fee. Your buyer pays Ratio over time on the terms they chose. You stop financing your own growth by waiting. Cash funds the next deal, not the last one.
Billing, collections, and renewals in the same flow
Custom payment schedules, dunning, reconciliation, and renewals stay connected to the deal that started them. No handoff to a separate billing team, no collections firefighting, no renewal surprises. Your finance team gets predictable cash and cleaner books. Your CS team gets a renewal conversation that isn't poisoned by issues from the original close.
Growth that funds itself
Ratio finances your buyer, not you. The buyer enters a payment plan with Ratio for the contract, and Ratio advances your cash at close. You don't take on debt to receive the cash, and you don't give up equity. No warrants. No covenants. No personal guarantees. Your existing revenue funds your next deal, instead of getting financed by your last raise.
here’s what they think of us
3×
Projected ARR growth this year
How DearDoc is set to increase sales by 3x with Ratio Boost - BNPL for SaaS + Tech
FAQS
The questions we hear most when teams evaluate Ratio against the way they close today.
