BNPL

Is Payment Flexibility Hurting Your Business In Ways You Didn’t Know?

In my years working with B2B companies, I’ve seen the push to offer flexible payment terms (like monthly options for SaaS or 60-90-day cycles for enterprise contracts) to close deals faster. While it seems like a win-win—clients appreciate the flexibility, and sales teams close more contracts—without proper management, it can quietly drain resources and disrupt operations.

Ashish Srimal
January 14, 2025

How Leaders Can Maximize Buy Now, Pay Later In SaaS Sales Processes

Many tech enterprises favor annual billing for SaaS, drawn by its cash flow benefits. However, upfront payments can deter budget-conscious buyers. And the immediate alternative—annual agreements with monthly payments—pose risks like non-payments and cancellations. In response, SaaS enterprises often resort to discounting. While it does enable the SaaS sales teams to close more deals, it also chips away at long-term revenue and profit margins.

Ashish Srimal
December 23, 2024

5 Benefits of Offering B2B Buy Now, Pay Later (BNPL) to Enterprise Clients

Discounting to overcome pricing objections and stretching payment terms to close deals—classic sales tactics, right? Every salesperson has relied on these at some point to hit targets. But here’s the problem: while these strategies might get deals across the finish line, they often come at a hidden cost to your business. Margins shrink, cash flow suffers, and you’re left dealing with collections headaches, the risk of client defaults, and the fallout from weak underwriting decisions.

Ratio Team
December 4, 2024

Top Five Things to Evaluate When Choosing a B2B BNPL Provider

Not all B2B BNPL providers are created equal. Some can take too long to approve a BNPL request. Others have AI-powered underwriting to give instant approvals. Some have clunky technology that slows down your sales. Others are so seamless they make B2B BNPL feel like B2C. Some can’t scale with your business as you grow. Others have deep pockets to support you every step of the way. Some do the bare minimum. Others are constantly innovating to give you actionable sales insights. Choosing the right B2B BNPL (Buy Now, Pay Later) provider isn’t easy.

Ratio Team
November 27, 2024

What Difference Does it Make to Offer Payment Flexibility With and Without a B2B BNPL Partner?

Are you offering payment flexibility to your customers all on your own? It’s time to rethink. When you offer it on your own, you bear the burden of delayed payments, operational strain, and financial risk. However, when you offer payment flexibility with a B2B BNPL partner, you get upfront capital, streamlined operations, and reduced risk.

Ratio Team
November 20, 2024

5 Proven Strategies for B2B SaaS and Tech Companies to Accelerate Sales Cycles

Closing a B2B deal isn't a sprint—it's a marathon, often spanning three to six months to cross the finish line. B2B buyers meticulously scrutinize every detail to ensure they’re making a wise investment. For large enterprises, there is a complex approval chain for expensive purchases, whereas startups and SMBs battle budget limits. Despite your sales team's best efforts, deals can stall if prospects find better offers, or they may shift priorities if they can't afford the products at closing time.

Ratio Team
October 21, 2024

5 Ways to Lower SaaS Customer Acquisition Cost for your SaaS

With the average customer acquisition cost (CAC) for SaaS businesses ranging from $76 to $519 per customer, it has become a critical metric for SaaS entrepreneurs. Yet, many find themselves grappling with the challenge of balancing cost-effectiveness with sustainable growth. While conventional methods like optimizing marketing spend or refining targeting strategies may offer initial relief, relying solely on these approaches can inadvertently constrain scalability and inhibit long-term profitability.

Ratio Team
April 10, 2024

5 Proven Ways to Reduce Churn During SaaS Renewals

A staggering 75% of companies find their customers contemplating alternatives during renewals, significantly impacting revenue and growth. But there's good news: churn is manageable. Customers explore alternatives driven by critical needs: cost-cutting in tight financial times, dissatisfaction with current services, and the hunt for innovation missing from their existing providers. Recognizing these motivations is crucial in addressing customer churn effectively.

Ratio Team
April 10, 2024

B2B Financing: How to Avoid Common Pitfalls and Ensure a Successful Financial Partnership

In Q3 2023, venture capital investment in fintech companies dropped 36% to $6 billion, a blow to B2B SaaS entrepreneurs amid tighter venture financing and stricter banking rules. The surge in subscription models further tightens cash flow. Businesses are adapting to diverse financing approaches.

Ratio Team
January 31, 2024

Five Use Cases of B2B Embedded Finance for SaaS Businesses

SaaS businesses are always in the news for massive fundraising rounds and innovative product developments. However, beneath the surface, keeping SaaS businesses afloat isn’t always a smooth sail. And if you’re into B2B or enterprise SaaS, you’re sailing against the high winds all the time.

Ratio Team
January 31, 2024