Ratio Reviews & Product Details

Ratio is the Closing Motion Platform for B2B technology scale-ups. Most scale-ups treat close as a signature, then wait on cash through fragmented handoffs. Proposals sit with sales, payment terms bounce to finance, billing is configured somewhere else, and collections happen in yet another system. Every handoff adds delay, error, and revenue leakage. It gets worse when you bill monthly. You can win the deal and still collect the value over months. Ratio consolidates the fragmented close into one motion. Proposals. One link with terms, payment options, and checkout built in. The buyer picks how they want to pay, accepts, and moves forward. No separate documents, no chasing signatures, no toggling between tools to close the deal. BNPL. Offer buyers flexible payment terms at the moment of close. They pay over time, you collect total contract value upfront. No discounting to force annual prepayment, no monthly billing drag. Renewals. When the current contract expires, the next one starts automatically. Terms are re-evaluated, pricing is updated, and the same post-close flow runs again. No manual renewal work and no gaps in coverage. Collections. Follow-ups, disputes, and delinquency management stay connected to the original proposal terms, so there is no reconciliation across disconnected systems. Less AR workload and faster recovery. An AI orchestration layer runs the motion. Risk is priced in real time, approvals route automatically, and renewals trigger on schedule. Specialized agents handle deal desk pricing, buyer checkout, risk scoring, and collections follow-up, and each one learns from every deal funded on the platform. Ratio is headless, so it embeds inside your CRM and the tools your team already works in. What scale-ups see with Ratio: 60%+ revenue uplift. 20-30% higher win rates by removing budget friction from the sales process. Total contract value collected upfront while buyers pay monthly. Less discounting to force annual prepayment. Fewer tools to run the closing motion. Built for CROs who need to close without discounting, RevOps and deal desk teams who need one controlled flow, and CFOs who need predictable cash. Close is not a signature. Close is cash upfront.

Seller

Ratio

Discussions

Ratio Community

Languages Supported

English

Solution Type

All-in-One

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Ethan M.

Account Manager

Mid-Market (51-1000 emp.)

10/23/2026

"Ratio Streamlines Workflows with an Intuitive, Reliable Experience"

5/5

What do you like best about Ratio?

Ratio has been a great experience overall. The interface is clean, intuitive, and easy to navigate, so I can get things done quickly without a steep learning curve. Performance has been consistently smooth, and the features do a good job of streamlining everyday tasks and boosting productivity. I also appreciate how efficiently everything works together, which saves time and cuts down on unnecessary manual effort. The AI capabilities add extra value by making workflows smarter and more efficient. Overall, Ratio feels like a useful, reliable tool that strikes a strong balance between functionality, usability, and value, and I’d recommend it to anyone who wants to simplify their workflow and work more efficiently. Review collected by and hosted on G2.com.

What do you dislike about Ratio?

While Ratio offers a good overall experience, there is still some room for improvement. Some features could be more customizable, and a few workflows could be more intuitive. I would also like to see more integrations and continued improvements to the AI capabilities to make the platform even more flexible and efficient. Overall, these are relatively minor drawbacks, and the product still provides solid value. Review collected by and hosted on G2.com.

What problems is Ratio solving and how is that benefiting you?

Ratio helps simplify everyday workflows by reducing manual work, saving time, and keeping tasks more organized in one place. It makes it easier to manage work efficiently, improve productivity, and focus on more important tasks instead of repetitive processes. The streamlined interface and useful features help make daily work smoother and less time-consuming. Overall, Ratio helps me work smarter, stay organized, and get more done with less effort. Review collected by and hosted on G2.com.

Response from Ignácio Bellini of Ratio

Hi Ethan,

Thank you so much for the fantastic 5-star review and for recommending Ratio! We’re thrilled to hear that the clean interface, smooth performance and AI capabilities are helping you cut manual work and get more done. Simplifying the workflow so your team can focus on what matters is exactly what we strive for.

I also appreciate your feedback on customization, workflows, integrations and AI. We’re actively investing in all of these areas, and I’ve shared your comments with our product team to help shape what comes next.

Thank you again for your partnership and for taking the time to share your experience!

Best,

Ignacio Bellini

Ratio

Current UserValidated ReviewerSource: Seller invite

Khizar A.

Senior Account Manager

Mid-Market (51-1000 emp.)

Updated 10/23/2026

Originally submitted 4/25/2026

"Fast, Simple Financing—Though Fees Cut Into Margins"

4.5/5

What do you like best about Ratio?

I like Ratio because its process is simple, clean, and does its job easily. It helps us lock customers into longer-term contracts, and Ratio pays our company the full amount due right away, so we get the money instantly. It feels like a win-win for us and our customers. The widget integration gives us results in 5 to 10 minutes and helps us close deals faster. I can check whether a customer is approved right away, and approved customers don’t have to go through too much documentation compared with other providers. It’s convenient for customers, and I’ve never had a customer who didn’t want to go with Ratio. Review collected by and hosted on G2.com.

What do you dislike about Ratio?

I’d say Ratio takes too much of a fee, so I end up making less money. Review collected by and hosted on G2.com.

What problems is Ratio solving and how is that benefiting you?

I use Ratio to finance existing customers and lock them into longer-term contracts. Ratio pays our company the full amount due, so we get money instantly. Its widget gives us approval results in 5–10 minutes with less paperwork, helping us close deals faster and making it convenient for customers. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

Hi Khizar,

Thank you so much for taking the time to share your experience! We’re thrilled to hear that Ratio is helping you secure those long-term deals and that the upfront lump sum payments are providing the liquidity your team needs. We work hard to keep our onboarding process as "paperwork-light" as possible, so it’s great to know that is making life easier for both you and your customers.

I also truly appreciate your candid feedback regarding our customer service. Hearing that your clients have had difficulty connecting with us for billing issues is something we take very seriously. I’m sharing your comments directly with our support leadership to ensure we streamline those communication channels and provide the "top-notch" service you expect from us.

We’re happy to be your preferred financing partner!

Best,

Gus Guida

Ratio Team

Current UserValidated ReviewerSource: Seller invite

Conor K.

Senior Commercial Account Manager

Mid-Market (51-1000 emp.)

Updated 10/26/2026

Originally submitted 10/23/2026

"Fast, Flexible Financing, Though Approval Limits Remain"

4.5/5

What do you like best about Ratio?

I like how simple and convenient Ratio is for our employees. The process is straightforward, and customers can choose their billing frequency, like monthly, quarterly, or annual. Once they authenticate, they select a billing frequency and connect their bank account, and the process takes about five minutes. Ratio is simpler than Text Capital and doesn’t require as much documentation. The setup and integration with our CRM were simple and didn’t take long. I also appreciate how committed they are to what they’re doing; they’re one of the best vendors we’ve used for our company. Review collected by and hosted on G2.com.

What do you dislike about Ratio?

I find it a drawback that Ratio doesn’t approve a lot of our clients, and it doesn’t let customers choose a five-year contract with us. Review collected by and hosted on G2.com.

Response from Ignácio Bellini of Ratio

Hi Conor,

Thank you for the great review, and for calling Ratio one of the best vendors your company has worked with! We’re thrilled to hear that your team finds the process simple, that customers can choose their billing frequency and finish in about five minutes, and that the CRM setup was quick. Keeping documentation light compared with other financing options is a big focus for us, so it’s great to see that paying off.

I also truly appreciate your candid feedback about approvals and five-year terms. Our approval criteria and contract lengths are set to keep financing sustainable for all our partners, but we understand how frustrating it is when a client you want to close doesn’t qualify. I’ve shared your comments with our product and underwriting teams as we keep evaluating how to support more of your customers.

We value your partnership and look forward to helping your team close even more deals!

Best,

Ignacio Bellini

Ratio

Current UserValidated ReviewerSource: Seller invite

Asad A.

Small-Business (50 or fewer emp.)

10/28/2026

"Fast, Seamless Financing—With Some Approval Limits"

4/5

What do you like best about Ratio?

I like that Ratio processes things really fast and integrates easily with our CRM. We can add a customer’s details in the widget, get a quick credit check, and generate a link so the customer can finish in about five minutes. It’s easy for our dev team to integrate, and customers can choose their billing frequency and link their bank account. The whole process takes less than six hours, and we get payment for long-term contracts pretty quickly. Ratio also gives us a lump sum for those contracts while letting customers choose monthly, quarterly, or annual payments, so it’s a win-win for both of us. Review collected by and hosted on G2.com.

What do you dislike about Ratio?

One thing I don’t like is that Ratio doesn’t approve many of our customers. If I submit 10 customers, it approves fewer than 4. Ratio also doesn’t support contracts longer than 3 years or above a certain amount, and I’d like to see that improved. Review collected by and hosted on G2.com.

Response from Ignácio Bellini of Ratio

Hi there,

Thank you so much for the great review! We’re thrilled to hear that Ratio is fast, easy for your dev team to integrate, and lets your customers finish in about five minutes. Getting you paid quickly on long-term contracts while your customers pick monthly, quarterly or annual payments is exactly the win-win we built Ratio for, and it’s great to hear it’s supporting your growth plans.

I also appreciate your candid feedback about approval rates and our limits on contract length and value. Our underwriting criteria and deal limits keep financing sustainable for all our partners, so not every application will be approved. That said, we know how frustrating it is when customers you want to close don’t qualify. I’ve shared your comments with our underwriting and product teams as we keep looking at how to safely approve more of your customers and support a wider range of deals. Your account manager is also happy to go through recent applications with you to see where we can help.

Thank you again for your partnership!

Best,

Ignácio Bellini

Ratio

Validated ReviewerSource: Seller invite

Ahmad B.

Enterprise (> 1000 emp.)

10/23/2026

"Fast Financing Decisions, Easy Payments—But Approval Rates Have Slipped"

3.5/5

What do you like best about Ratio?

I use Ratio to help customers get a better price at a lower rate by paying monthly for an annual charge when financing is approved. It’s usually the quickest way for me to get an approval or rejection on a financing deal; other apps and widgets take a lot longer to respond. I used to like that Ratio usually had a good approval rate, though that has dropped. The payment process is quite good and easy, not too complex, and there’s no documentation fee. Signing up through Salesforce took about a minute, and Ratio was already there. Review collected by and hosted on G2.com.

What do you dislike about Ratio?

I used to like Ratio’s good approval rate, but it has dropped. Recently, I’ve also faced some delays in getting approvals. I’m not sure whether the delays are from Ratio or our management, but if Ratio is taking longer to process things, I’d like that improved. Review collected by and hosted on G2.com.

Response from Ignácio Bellini of Ratio

Hi there,

Thank you for taking the time to share such a detailed review! We’re glad to hear Ratio is your fastest path to a financing decision and that the payment process. Helping you offer a better price through monthly payments on an annual contract is exactly what we strive for, and it’s great to hear the Salesforce setup took only a minute.

I also appreciate your candid feedback about approval rates and recent delays. Our underwriting criteria change over time so that the financing stays sustainable for all our partners, and that can affect approval rates from one period to the next. That said, we know how much a predictable, fast decision matters when you’re closing a deal. I’ve shared your comments with our operations and underwriting teams so they can review recent processing times. If a specific deal felt stuck, please reach out to your account manager and we’ll look into it right away.

Thank you again for your partnership and for helping us improve!

Best,

Ignacio Bellini

Ratio

Validated ReviewerSource: Seller invite

Umer A.

Small-Business (50 or fewer emp.)

11/3/2026

"Flexible Financing Made Simple, with Room for More Transparency"

4.5/5

What do you like best about Ratio?

I like how simple and convenient Ratio makes the financing process. Its flexible payment options help customers make important business investments without putting too much pressure on their upfront cash flow, and make purchasing decisions and financial commitments more manageable. I appreciate that it makes the customer experience smoother and helps customers manage cash flow. Ratio works well alongside Motive’s solutions, and the initial setup was straightforward, easy to understand, and convenient. Review collected by and hosted on G2.com.

What do you dislike about Ratio?

I think the experience has been positive, but I’d like more transparency throughout the financing process, particularly about application status and approval timelines, so customers can make decisions accordingly. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

Hi Umer,

Thank you so much for taking the time to leave this review! We are thrilled to hear that Ratio's flexible payment options and integration with Motive are helping you manage cash flow and making the financing process simpler for your business.

We also really appreciate your candid feedback regarding transparency. You are absolutely right that having clear visibility into application statuses and approval timelines is critical for making informed business decisions. I have shared your feedback directly with our product team as we actively work on improving notifications and status tracking to make that part of the experience just as seamless.

Thank you again for being a valued Ratio customer! Please feel free to reach out if you have any other suggestions in the future.

Best,

Gus Guida

The Ratio Team

Validated ReviewerSource: Seller invite

Timothy A.

Account Manager

Enterprise (> 1000 emp.)

10/28/2026

"Fast Financing Decisions Without Minimum Contract Value"

5/5

What do you like best about Ratio?

What I like best about Ratio is how quickly it can provide financing decisions, making it easier for customers to move forward. I also appreciate that it offers financing without a minimum contract value and doesn’t impact the customer’s personal credit score Review collected by and hosted on G2.com.

What do you dislike about Ratio?

The main drawback is that Ratio’s eligibility is limited to smaller deals—under $25,000 with terms up to 36 months—and appraisal can take about an hour during busy periods. That can make it less flexible and slower than customers might expect. Review collected by and hosted on G2.com.

Response from Ignácio Bellini of Ratio

Hi Timothy,

Thank you so much for the fantastic 5-star review! We’re thrilled to hear that fast financing decisions are helping your customers move forward, and that having no minimum contract value and no impact on personal credit makes Ratio an easy yes. “Easier contracts for customers means more sales for me” sums up exactly why we built Ratio!

I also appreciate your feedback on deal-size eligibility and review times during busy periods. Our eligibility criteria are designed to keep financing sustainable for all our partners, but we know speed and flexibility matter when a customer is ready to sign. I’ve shared your comments with our underwriting and product teams as we keep working to make decisions faster and support a wider range of deals.

Thank you again for your partnership!

Best,

Ignacio Bellini

Ratio

Current UserValidated ReviewerSource: Seller invite

Steve G.

Mid-Market (51-1000 emp.)

10/30/2026

"Easy Payment Plans Help Close More Software Sales"

4.5/5

What do you like best about Ratio?

I like that Ratio lets me sell software to clients who can’t afford or don’t want to spend that much all at once. They can put a percentage down and make three equal payments instead. The setup was very, very easy, and my process is done within 20 minutes or less. Review collected by and hosted on G2.com.

What do you dislike about Ratio?

I like everything but just rarely give a 10 Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

Hi Steve, thank you so much for the fantastic review! We are thrilled to hear that Ratio's flexible payment options are helping you close more software sales by giving your clients a manageable way to pay. It’s also great to know that our setup process was quick and seamless for your team. We truly appreciate your partnership and are always here to support your continued growth!

Best,

Gus Guida

The Ratio Team

Validated ReviewerSource: Seller invite

Khizar S.

Account Manager

Mid-Market (51-1000 emp.)

Updated 10/23/2026

Originally submitted 4/28/2026

"Dependable Financing Partner with Quick Contract Approvals"

4.5/5

What do you like best about Ratio?

I find Ratio to be one of the best partners for financing because their process of getting the contract approved and obtaining the purchase order is very quick. The initial setup was smooth and convenient. In my personal experience, I've always received professional and timely support from their team. Review collected by and hosted on G2.com.

What do you dislike about Ratio?

They don’t accept all the customers that we have, plus some customers have complained that Ratio doesn't have the best after-sales support. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

Hi Khizar,

Thank you so much for taking the time to share your experience! We’re thrilled to hear that our quick contract approvals and smooth setup process are helping your team secure funding and lock in customers more efficiently. Providing professional and timely support is a top priority for us, so it’s great to see that reflected in your experience.

I also appreciate your candid feedback regarding our customer acceptance and after-sales support. While we aim to support as many businesses as possible, we do maintain specific underwriting criteria to ensure a sustainable financing ecosystem for all our partners. Regarding the post-sales experience, we are actively working on enhancing our support workflows to ensure that your customers receive the same high-level service after the deal is closed as they do during the initial setup.

We value your partnership and look forward to continuing to help your organization grow!

Best regards,

Gus Guida

Ratio

Current UserValidated ReviewerSource: Seller invite

Jude P.

Growth Manager

Mid-Market (51-1000 emp.)

Updated 7/28/2026

Originally submitted 7/24/2026

"Easy for Clients, with a Clear Line-by-Line Fee Breakdown"

5/5

What do you like best about Ratio?

Just how easy it is to use for our clients. You simply send the offer link, and they authenticate themselves and gain access to the offer. They accept the terms and sign and that's it. Review collected by and hosted on G2.com.

What do you dislike about Ratio?

Nothing! The user interface is great, and all the fees and costs are broken down line by line, which makes everything easy to understand. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

Hi Jude,

Thank you so much for the fantastic review! We are absolutely thrilled to hear that both you and your clients are finding Ratio so easy to use.

Making the process of sending and accepting offers as seamless as possible is our main goal, so it's wonderful to know the authentication and signing process is working perfectly for your team. We also love hearing that the clear, line-by-line fee breakdown is helping your clients feel comfortable and confident when they choose a monthly payment plan instead of an upfront lump sum.

Thank you again for your partnership and for taking the time to share your positive experience!

Best,

Gus Guida

Ratio

Current UserValidated ReviewerSource: Seller invite