Ratio

For B2B technology companies that want to offer buyers flexible payment terms without waiting months to collect, Ratio connects proposals, financing, billing, and collections in one sales workflow. Sales teams can create quotes with payment options, while buyers choose terms that suit their budget. Ratio handles business underwriting and pays the seller the contract value upfront as the buyer pays over time. The platform also supports payment processing, custom payment schedules, renewals, and collections. It can work with tools such as Salesforce, HubSpot, QuickBooks, Stripe, and subscription billing platforms. Ratio is designed for sales, revenue operations, and finance teams at companies selling recurring B2B contracts, including SaaS and other technology businesses; it may be a fit for organizations seeking embedded B2B financing and a connected quote-to-cash process.

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