Capchase finances deals. Ratio closes them.

Capchase is a vendor financing platform. Ratio is a Closing Motion platform. That distinction is the whole point of this page. A Closing Motion is the operational sequence your team runs to convert an opportunity into recognized revenue: pricing the offer, structuring terms, approving the buyer, capturing signature, collecting cash, and setting up renewal. Most companies stitch this together across CPQ, e-sign, payments, billing, and a financing add-on. The result is brittle, expensive, and slow. Ratio collapses the whole sequence into one workflow inside the CRM where the deal already lives. Capchase covers one stage of it well: it qualifies the buyer, finances the contract, and collects the installments. That is a useful instrument. It is not a way to win deals.

Financing built into the sale, not bolted beside it. Capchase approves buyers before the offer goes out and lets reps generate financing quotes from inside Salesforce or HubSpot. But the financing itself is delivered through a Capchase payment link, generated from your CPQ or order form and sent alongside your proposal. The buyer reviews the schedule, signs, and enters payment details inside that link, with Capchase as the counterparty. Ratio lives inside your CRM and CPQ. Your rep sends one email; the buyer reviews the terms, signs the contract, picks a payment plan, and pays in a single flow. No second link, no second brand, no third party the buyer has never heard of. It is the difference between adding financing to a deal and making financing part of how the deal gets done.

More flexible terms, configured where the buyer sees them. Capchase offers net 30 to 180 terms, monthly, quarterly, or extended installments, and will adjust a schedule on request. Ratio goes further on every axis: deferred payment up to net 120, monthly, quarterly, semi-annual, or annual installments, lengths from 4 to 60 months, and bespoke structures when a deal needs one, such as a down payment, a gap, then twelve monthly payments. Just as important is where those terms live. With Capchase they sit in a separate payment link. With Ratio your rep configures the structure inside the proposal itself, so the buyer sees terms built around their budget cycle and signs them in the same document. Every buyer has a budget rhythm; the financer that can match it inside the offer, not after it, closes the deal.

A rate for each buyer, not one fee for all of them. Capchase charges a flat transaction fee per deal, roughly 8% to 10% according to its CEO, applied to every approved buyer regardless of profile, and it does not publish risk-based pricing. Ratio prices each buyer on their own credit profile, typically between 4% and 20%. Your strongest buyers get your most attractive offer; buyers outside the standard profile get priced instead of declined. Both platforms let you decide who pays, you, the buyer, or a split, but with Ratio that decision is made on a number your rep sees before the proposal goes out, and that number already reflects the buyer’s risk. That is more control over margin without blanket discount approvals.

Recourse you choose, with approvals that move with it. Capchase makes the credit decision and carries the risk on the buyers it approves. If a buyer is declined, your options are to charge upfront or carry that buyer on your own balance sheet; there is no recourse model you can select to move the approval bar. With Ratio you choose your recourse model when you partner, from full recourse to partial recourse in select cases, knowing exactly how it affects approvals: keep more of the buyer-payment risk and more buyers get approved, keep less and the bar goes up. Approval rates become a business decision you make, not a policy you inherit.

Fast approvals on both sides, but only one comes with a price. Capchase runs an automated eligibility check on public data, with no credit check, and says 97% of applications are decisioned within 30 seconds. Ratio approves 87% of buyers automatically in under one second, with just an EIN, inside your CRM. The difference is what the approval unlocks. A Capchase approval tells your rep a buyer qualifies for a payment link. A Ratio approval comes with a buyer-specific rate the rep can build the entire proposal around, before the first conversation about terms.

See the whole journey and act before a deal goes quiet. Capchase shows the status of its financing link, viewed, signed, paid, with updates pushed to Slack, Teams, or the HubSpot deal page. What happens before the link, from proposal opened to terms considered, lives in your other tools. Because the entire closing motion runs through Ratio, your team sees every step: proposal opened, signed, choosing a payment plan, paid. A buyer sitting on the payment-terms step for three days is a signal your rep can act on, with a call, a different plan, or a discount, and automated follow-ups keep the buyer moving without the rep chasing. You can’t rescue a deal you can’t see.

Renewals and expansions on one contract. Capchase handles billing and collections on financed deals and lets reps set up renewals and amendments from the CRM. A mid-term expansion becomes a new financed amount with its own schedule. Ratio automates collections and renewals as part of the platform, and when a buyer expands mid-contract, the upsell is co-terminated back to the original agreement, so everything renews on one date, under one contract, without your team rebuilding the deal. Finance teams get full visibility into cash flow, payment health, and contract performance through customizable reporting dashboards, tax handling, and real-time insights.

A financer, not a lender. When your buyer uses Capchase, they take out a loan from Capchase: they sign Capchase loan documents, receive Capchase invoices, and repay Capchase. Their installment relationship moves to a company they didn’t choose. Ratio is a financer. Your buyer signs your contract, on your terms, through a checkout that carries your deal, and Ratio funds the contract behind the scenes so you are paid upfront while the buyer pays over time. Ratio supports direct, reseller, channel, and marketplace deals, backed by integrations with 19+ systems including Salesforce, Stripe, HubSpot, Chargebee, and more.

One platform today, not a roadmap. Capchase acquired Vartana in June 2025 and has said the two platforms will be combined over time, without a published timeline. Consolidations promise faster innovation, but merging two products, two roadmaps, and two customer bases typically takes quarters, and sellers wait while it happens. Ratio already delivers a unified platform: quoting, terms, e-sign, underwriting, funding, billing, collections, and renewals, all in one flow.

In short, Capchase is a financial instrument. Ratio is a revenue engine. It doesn’t just help you fund what you’ve already sold, it helps you sell more in the first place, close with confidence, and control every lever that affects revenue performance.