# Capchase finances deals. Ratio closes them. Capchase is a financing tool. Ratio is a Closing Motion platform: terms, instant approval, e-sign, upfront cash, billing, and renewals inside your CRM. See a Closing Motion platform in action Trusted by leading B2B revenue teams. - - - - With Ratio you unlock buyer-friendly terms inside your CRM, shift fees off your P&L, and automate the quote to cash process — everything Capchase can’t do. “Ratio stood out as the only B2B BNPL solution able to customize financing terms to how we sell and how our customers prefer to pay. As an added benefit, their quote-to-cash capabilities were more than sufficient for our needs, allowing us to avoid the cost and complexity of implementing a separate CPQ system.” Matt Woodrome, Director of Growth Initiatives “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 has been a game-changer—its seconds-fast, zero-friction underwriting covers every deal size we pitch, sparing us the back-and-forth and the uncertainty in approvals we endured with other vendors; letting our reps focus on closing, not chasing credit checks.” Curtis Bendt, CRO A financing tool isn't a Closing Motion platform. Capchase activates after a deal is signed. It converts ARR into cash. Useful, but reactive. Ratio runs the close itself. Reps configure terms, route buyers through instant approval, send e-sign, collect upfront cash, and renew, all inside the CRM where the deal lives. See how Ratio closes more deals, faster, with cash collected upfront. ### Capchase vs Ratio: Side-by-Side Comparison If you're evaluating Capchase vs. Ratio, here's the bottom line. Capchase activates after a deal is signed and converts ARR into cash. Ratio runs the close itself: proposals, terms, instant buyer approval, e-sign, payment, billing, collections, and renewals, all inside your CRM. | Feature | Ratio | Capchase | |-------------------------------|----------------------------------------------|-------------------------------------------| | Financing terms | Flexible, custom terms available | Fixed terms, max 24 months | | International availability | Supports 12 countries and growing | Supports 9 countries | | Capital availability | Access to >$500M in non-dilutive funding | Access to >$500M in non-dilutive funding | | Multi year deals | Supports up to 60 months | Generally caps at 24 months | | Custom payment terms | Milestone, deferred, usage-based plans | Only standard terms | | Instant buyer approval | Real-time approval, minimal data required | Often involves manual steps | | Embedded inside sales workflow | Yes, fully integrated | Outside the sales process | | Automated follow-up | Yes, tracks buyer activity | No visibility on buyer activity | | Collections module | Includes for free | Charges extra or requires seller involvement | | Upsells & renewals support | Automates workflows | Does not support them | | Real-time reporting | Finance-grade dashboards | Basic reporting | | Role-based access controls | Built for enterprises | Basic access | | Security | SOC 2 compliant and additional measures | SOC 2 compliant | ## Frequently Asked Questions ### What is a Closing Motion platform, and why is Ratio different from a financing tool like Capchase? A Closing Motion is the full sequence a seller runs to win a deal: pricing the offer, structuring terms, getting the buyer approved, getting signature, collecting cash, and managing renewal. Ratio is a Closing Motion platform that runs all of it inside your CRM. Capchase only activates after the deal is closed, monetizing the contract you already won. They aren't the same category. ### Can Capchase replace your proposal software the way Ratio does? Ratio includes native proposal generation, discounting, and e-sign inside your CRM. Capchase has no quoting or sales-enablement capabilities. ### How fast are buyer approvals in Capchase compared to Ratio? Ratio approves most buyers in real-time using only an EIN, with no uploads or back-and-forth. Capchase typically requires document collection and manual reviews, which slows cycles. ### Are there upfront deductions with Capchase, and how does payout compare to Ratio? Capchase deducts its fee from your payout. Ratio pays you upfront for the contract. Fees are part of the pricing structure, not a surprise deduction at payout. ### How quickly are payouts funded with Capchase vs. Ratio? Both can fund in under a week. The real difference is in pricing transparency and who pays the fee. Ratio offers risk-based pricing (4-20%) and lets you choose whether the buyer, seller, or a split absorbs it. Capchase applies a flat fee to the seller. ### Does recent consolidation around Capchase change the comparison with Ratio? Consolidations promise faster innovation, but integrations typically take quarters. Roadmaps merge, backlogs grow, and sellers wait. Ratio already delivers a unified platform today: quoting, terms, e-sign, underwriting, funding, billing, collections, and renewals, all in one flow. ### Why Ratio Outperforms CAPCHASE Ratio takes a fundamentally different approach. It embeds financing into the sales motion itself, giving your reps a way to offer buyer-friendly terms—like deferred payments, milestone-based billing, or usage-based structures—at the exact moment a deal is on the line. This flexibility helps you close faster and more often, without defaulting to heavy discounting. In short, Capchase is a simple 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. If you're trying to fund deals, Capchase will do that. If you're trying to close more of them, you need a Closing Motion platform. That's Ratio.