Trusted by B2B technology scale-ups
Closing Is Broken for Most B2B Tech.
Buyers want payment flexibility and you need cash upfront
Your buyer says yes – then asks for monthly payments. You either discount to force annual upfront, accept slow monthly cash, or watch the deal stall while internal teams figure it out.
Closing is fragmented across teams and systems
Proposals go to sales, payment terms bounce to finance, billing gets set up separately, and collections happen somewhere else entirely. Every handoff introduces delay, error, and revenue leakage.
Monthly billing drags on cash and forecasting
You can win the deal and still wait months to collect the value. Delayed cash creates pressure, adds risk, forces bad tradeoffs, and turns your finance team into a collections department.
One Flow from Proposal to Cash Upfront.
Ratio consolidates the fragmented close into a single Closing Motion that starts with proposals, uses BNPL to pay you upfront, and keeps renewals and collections connected.
ONE PROPOSAL. EVERY PAYMENT PATH. NO BACK-AND-FORTH.
One link with terms, payment options, and checkout built in. The buyer picks how they want to pay, accepts, and moves forward. No separate docs, no chasing signatures, no toggling between tools to close the deal.
TURN CLOSED DEALS INTO UPFRONT CASH. ALWAYS.
Offer buyers flexible payment terms at the moment of close. They pay over time, you collect total contract value upfront. No discounting to force annual prepayment, no monthly billing drag. Cash certainty at the moment of yes.
SAME FLOW. NEXT CONTRACT. NO LAPSE.
When the current contract expires, the next one starts automatically. Terms get re-evaluated, pricing gets updated, and the same post-close flow kicks in. No manual renewal work, no gaps in coverage, no surprises for the buyer or your finance team.
DISPUTES AND DELINQUENCIES, HANDLED INSIDE THE FLOW.
Follow-ups, disputes, and delinquency management stay connected to the original proposal terms. No reconciliation mess, no chasing payments across disconnected systems. Less AR workload, faster recovery, and less friction with the customer.
Close More
Stop losing winnable deals to budget constraints. When every buyer gets payment terms that fit their cash flow, price objections fade and win rates climb. Deals you would have lost close instead.
Close Faster
Remove end-of-funnel friction. When buyers can pay over time, deals stop stalling at payment terms.
Stop Discounting
Stop cutting price to force annual prepayment. When buyers can pay over time without slowing your cash, the pressure to discount disappears. Your margins stay intact.
Collect Upfront
Stop winning deals and waiting for cash. Collect 100% of total contract value upfront while your buyers pay monthly — no more monthly billing drag.
Forecast with Certainty
When cash arrives at commitment instead of trickling in monthly, forecasting gets easier. You plan around certainty, not receivables timelines.
Stop Revenue Leakage
One connected flow from proposal to collection means fewer handoffs, fewer errors, and fewer deals that slip between signature and cash.
Simplify Ops
Replace the 4-5 tool patchwork with one flow. Proposals, billing, collections, and renewals in a single system. Fewer handoffs, fewer errors, fewer people needed to run the motion.
Retain More
Renewals run on the same flow that closed the deal. Terms carry over, flexible payments continue, and nothing lapses. When staying is easier than leaving, customers stay.
Expand Faster
Make growing the account as easy as the first close. Upsells and added seats ride the same payment flexibility, so expansion never restarts the budget fight.
Real Results. Real Customers.
60%+
Revenue uplift for customers like DearDoc using Ratio’s embedded BNPL and proposal platform.
+30%
Higher win rates in SMB segments by removing budget friction from the sales process.
100%
Total contract value collected upfront — Ratio underwrites the buyer, manages billing and collections.
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