Ratio Boost - Flexible Payments to Help Your Customers Buy

Flexible Terms for Buyers. Upfront Revenue for You.

Accelerate your subscription business with the only Proposal & Billing platform offering Embedded BNPL.

trusted and affirmed by

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Deals stalled in sales cycle

31%

25%

87% of deals automatically priced and approved

< 1 second – for credit decisioning

“Ratio’s platform allows us to close deals in minutes. Sales & Finance love the all-in-one platform from proposal to cash. With Ratio we will 2-3x ARR this year, while collecting the cash upfront”

Joe Brown

Founder & CEO

"Ratio is helping us transform the purchasing experience. We see many ways to sell more deals faster - we do it by speeding up the procurement process for our customers. And we collect upfront no matter how the customer pays."

David Keane

Founder & CEO

"Ratio fills a need in the Robotics-as-a-service industry that no one else does. By providing flexibility to our customers, we have landed deals that we would have lost to customer budget constraints.”

Nohtal Partansky

Founder & CEO

"We're a startup who helps companies with labor challenges. With Ratio, our customers are able to onboard online and get approved almost immediately. Boost was easy to implement and has helped us grow tremendously."

Kyle Dou

Founder & CEO

Amplify Your Revenue with Ratio

Adaptive Purchase Experience

Close Faster

Say yes to any payment term. Ratio offers flexible terms to help reduce negotiations and close faster.

Close More

Never require customers to pay upfront. Fewer delayed or lost deals for short term budget constraints.

Discount less

Offer payment options instead of discounts.

Reduce Risk

Transfer risk off your balance sheet and expand working capital.

How Ratio Boost Fits Your Business Model

Hardware Companies Make hardware affordable. Allow customers to pay over time. No down payment required. Get paid upfront no matter what.](/content/boost-hardware/index.html)

SaaS / Subscription Companies SaaS and subscription businesses benefit greatly from Boost so you can get paid upfront and offer your customers flexible payments without taking on more risk.](/content/boost-saas/index.html)

VARs and Distributors VARs and distributors can reduce buyer friction and close more deals by offering flexible payment terms to their buyers. Take your cash upfront, it’s win-win.](/content/boost-vars-distributors/index.html)

Accelerate Revenue in 5 Easy Steps

We do all of the heavy lifting with our embedded solution.

1. Generate Customized Offers

2. Dynamic Underwriting

3. Faster Close

4. Cash Advance

5. Automate Billing & Collections

Who Pays the Financing Fees?

Ratio offers ultimate flexibility in how Sellers present payment plans to Buyers.

Seller Pays Buyer Pays Split 50/50

Some customer relationships are worth their weight in gold. Seller can opt to absorb the cost of financing for the benefit of keeping your customers happy.

Smaller customers with lower revenues tend to be higher risk. Don’t take on the balance sheet risk, let Ratio handle that while providing your customers the flexibility they need.

Flexibility is key to making sure Sellers can strike a balance between customer retention and keeping your own cash flow constraints top of mind. Split the fees with your Buyer, but not just 50/50, it could be 30/70 or 80/20. Customize it for your situation.

FAQs

How does Ratio Boost work?

Ratio Boost is similar to consumer buy-now-pay-later but focuses on business buyers.

In Boost, the financing is embedded into the sales workflow and the financing costs can be passed on to the buyer. It can be embedded into the vendor’s website or their sales processes encapsulated in CRM and CPQ.

What is a True Sale?

A True Sale is a transaction where cash-generating assets (accounts receivable, annual contracts, multi-year contracts, etc.) are fully transferred from a seller to a buyer for a purchase consideration.

In contrast to both debt-financing, which is treated as a liability on the balance sheet, and equity financing, which increases the total number of shares issued, a True Sale causes neither dilution nor debt, and results in direct substitution of assets for instant cash.

A True Sale also protects the buyer’s interests by legally isolating the asset beyond the reach of the seller’s creditors and bankruptcy trustees. Click here to learn more.

What is the value of True Sale for public and private companies?

For public companies, True Sale enables compliance with cash reporting regulations and faster cash conversion. Several US and international stock exchanges mandate quarterly cash flow statements and proof of adequate liquidity, and True Sale of long-term cash generating assets— in exchange for immediate cash—to a company like Ratio is a great tool to stay in compliance. True Sale is also a more pragmatic way to unlock additional liquidity from the balance sheet without taking on new debt or dilution.

For private companies, True Sale offers a new source of growth capital that is distinct from venture debt, equity capital, or revenue based financing. It is a new tool in the growth capital tool-kit that provides more flexibility and choice around what contracts to sell to a company like Ratio, and what % of future receipts to sell, depending on projected cash flow timings. With no covenants, restrictions, and less complicated accounting treatments, it is a powerful weapon to use to extend your runway on your terms.

Click here to learn more.

Is this debt?

Ratio Trade or Ratio Boost are not debt. We purchase each contract and advance the cash to the seller as if it were paid by the buyer at the time of the purchase.

It is not a loan because we purchase each contract from you and assume the risk. The purchase is executed using our underlying financial instrument, called the Future Receipts Purchase Agreement (FRPA), which is considered a “True Sale,” and has been vetted by leading law firms and leading accounting firms for publicly listed companies.

What happens in the case of a dispute between the Seller and the customer?

In case of dispute between the Seller (SaaS or tech company) and the customer, the Seller is required to remedy the dispute. If the dispute is not resolved, any contracts purchased by Ratio have to be repurchased back by the Seller.

Who is responsible for collections?

It is up to the Seller. In our Boost model, Ratio is responsible for collecting from the Seller’s customer/buyer. In the Trade model, Ratio is unknown to the buyer and the Seller is responsible for collections.

How does Ratio make money?

Ratio purchases contracts for cash at a small discount. The discount can be paid by the seller or the buyer depending on which product (Trade or Boost) is being utilized to get cash upfront by the Seller. The discount percentage depends on the credit worthiness of both the seller and the buyer.

Do you pull my credit score? Are there personal guarantees?

We do not pull any personal credit scores or require personal guarantees, but may access a business credit report associated with your EIN. Ratio uses proprietary algorithms and underwiring to score each business and assess the risk.

What is the interest rate?

Our advances are not loans or debt. Hence we do not have the concept of principal and interest. However we do discount each contract based on the risk of the contract. The discount rate varies based on the term of the contract, risk of both the seller, and the risk of the buyer.

loved by Customers & industry leaders

“B2B SaaS sellers will really appreciate the competitive advantage they gain with Ratio’s customer-centric flexible payment options. Every SaaS company can use Ratio.”

Tom Rilley

Board Member

"Ratio offers a powerful, often untapped, strategy for SaaS companies to accelerate sales and growth financing. In the past this has only been available to the largest companies in the world."

Doug Merritt

Former CEO

"Our affiliates are excited about the payment flexibility that Ratio provides and having the ability to collect the cash upfront."

Tom Corr

CEO

"With Ratio, we can now leverage our recurring revenues to fuel our growth, optimize cash flow, and improve sales conversion - all without dilution."

Richard Whalen

Head of Finance

"Our customers love the payment flexibility that Ratio provides and we love collecting the cash upfront."

Alvaro Gutierrez

Co-CEO

David Keane

Founder and CEO