Ratio

Ratio operates what it calls a "Closing Motion Platform" for B2B technology vendors, consolidating steps that are typically split across sales, finance, billing and collections teams into a single flow. The product spans four connected stages: a single proposal link that embeds contract terms, payment options and checkout; a buy-now-pay-later (BNPL) payment step; automated renewals; and collections, including follow-ups, disputes and delinquency management tied back to the original proposal terms.

The central mechanism is payment-term flexibility for the buyer combined with upfront cash for the seller: the buyer selects monthly or other installment terms, while the vendor collects the full total contract value at close. Ratio states that it underwrites the buyer and manages billing and collections. The company positions this as an alternative to the common trade-offs vendors face — discounting to force annual prepayment, accepting slow monthly cash, or losing stalled deals — and as a replacement for a patchwork of four to five separate tools. The platform is described as integrating with a customer's existing stack.

Business model

Ratio sits between B2B software and technology vendors and their buyers: buyers pay over time under terms configured at the point of sale, while Ratio pays the vendor the total contract value upfront and takes on underwriting of the buyer plus ongoing billing and collections. Alongside the financing element it provides quote-to-cash software functionality (proposals, renewals, collections), which the sources indicate can substitute for a separate proposal system.

Traction

The company site reports customer-level results including 60%+ revenue uplift for customers such as DearDoc using its embedded BNPL and proposal platform, 30%+ higher win rates in SMB segments, and 100% of total contract value collected upfront. Named individuals providing testimonials include Joe Brown (Founder & CEO), Matt Woodrome (Director of Growth Initiatives), Curtis Bendt (CRO) and Nohtal Partansky (Founder & CEO), with references to B2B technology scale-ups and robotics-as-a-service vendors.