We're incredibly excited to announce that Ratio has secured $411M to fuel the transformation of B2B financing.
Over the past few years, I have observed a major shift unfolding in B2B payments—driven by what can only be described as the consumerization of enterprise purchasing. While the global B2B payments market is projected to surpass $124 trillion by 2028, the systems behind these transactions remain outdated. Rigid terms, clunky approvals, and manual workflows persist—even as buyer expectations evolve rapidly.
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Challenge: SaaS deals should be closing, but somehow they’re just... not. You’ve seen it happen: The demo lands. The buyer’s excited. Everything points to a quick close. Then... silence. Sure, sometimes buyers hesitate. But often, even motivated buyers get stuck — bogged down in finance approvals, rigid contracts, and inflexible payment terms. It’s the broken quote-to-cash (Q2C) process quietly killing deals that should have been won.
B2B BNPL helps SaaS and technology sellers get paid upfront while buyers pay over time. It reduces friction in sales, protects margins, and eliminates credit risk. This guide covers what B2B BNPL is, how it works, common pitfalls, provider comparisons, and how to embed it into your revenue stack.
Challenge: Why Do SaaS Deals Keep Slipping Late in the Cycle? Procurement slowdowns. Budget objections. Delayed approvals. Even great SaaS sales teams lose high-intent deals to timing friction and payment constraints. The business impact is real: 🔻 Delayed revenue recognition 📉 Missed quarterly targets 💸 Forecast volatility and uneven cash flow 🧩 Pipeline bloat from deals stuck in limbo Flexible payment terms help, but most solutions still leave sellers waiting to get paid and exposed to collection risk.
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💡 Why B2B BNPL is suddenly on every SaaS leader's radar Flexible payment terms used to slow deals down. Now they help close them faster. Feels like a brain shock, right? But here’s the thing - SaaS sales teams want to: ✅ Close faster ✅ Preserve runway ✅ Avoid giving discounts B2B Buy Now Pay Later (BNPL) is solving all three and is, therefore, showing up in more sales cycles, from self-serve onboarding to six-figure contracts.
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Challenge: Why Does Your SaaS Sales Process Feel Stuck? Sales reps spend just 30% of their time selling. The rest is lost to chasing approvals and tweaking quotes. Negotiations drag the sales cycles, demoralize the reps, and often lead to: ❌Lost deals ❌Unpredictable revenue ❌Cash flow problems The right CPQ simplifies quoting, streamlines approvals, aligns pricing with buyer expectations, and speeds up deal closures.
Software companies are doubling down on subscriptions and for a good reason. The SaaS subscription market is set to reach $1.75 trillion by 2034. It’s the perfect time to scale and close bigger deals. But let’s be honest: having more subscribers doesn't guarantee increased revenue if your subscription management isn't effective.
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Billing mistakes don’t just hurt revenue. They hinder growth. 94% of B2B SaaS companies adjust pricing yearly, but most billing systems fail to align with new pricing. They cannot handle pricing changes, upgrades, and renewals without errors. This creates billing failures, revenue leakage, and customer churn.
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The Challenge: Using a CPQ but not seeing the expected boost in deal closure rates and velocity. CPQ was meant to fix stalled deals. So why aren’t you closing more? You’ve optimized pricing, automated quotes, and streamlined approvals. But deals still get stuck. Not because of the quoting process but because of what happens after the quote is sent.
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The Challenge: Can CPQ Help in Closing More Deals Faster? Sales reps spend just 30% of their time actually selling—the rest is lost to lead prioritization, data entry, and quote generation. CPQ (Configure, Price, Quote) software promises to fix this by automating quoting, approvals, and deal closures. But here’s the catch—most CPQs stop at quoting and pricing.
