--- title: Ratio Reviews meta_title: 'Ratio Reviews 2026: Details, Pricing, & Features | G2' meta_description: Filter 27 reviews by the users' company size, role or industry to find out how Ratio works for a business like yours. aggregate_rating: rating_value: 4.5 review_count: 27 scale: '5' date_modified: '2026-06-17' parent_category: name: Payment url: https://www.g2.com/categories/payment --- # Ratio Reviews **Vendor:** Ratio **Category:** [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Average Rating:** 4.5/5.0 **Total Reviews:** 27 ## About Ratio Ratio combines a powerful proposal and billing platform with embedded buyer financing letting SaaS and tech businesses offer flexible payment terms, close deals faster, and unlock upfront cash without introducing risk or operational overhead. With Ratio Boost, sales teams create dynamic quotes in minutes, structure custom payment plans, and send branded proposals that include real-time financing options. This shortens sales cycles, increases deal conversion, and gives buyers the flexibility they expect—without involving your finance team in every deal. Once a deal is signed, Ratio advances funds to your business upfront and manages buyer collections over time. We assume credit risk, handle billing, and ensure predictable cash flow, enabling you to scale efficiently without raising capital or tightening terms. Unlike point solutions that focus only on quoting or lending, Ratio unifies the entire quote-to-cash motion—from pricing configuration to payment execution—within one cohesive workflow. Built for sales and finance leaders, Ratio helps teams: - Increase close rates by up to 35% - Grow average contract value by over 25% - Reduce quoting time by 90% - Eliminate reliance on rigid deal desk or manual approvals Ratio is trusted by leading B2B companies in software, services, and digital infrastructure to accelerate revenue and turn their contracts into capital. We don’t just help you sell: we help you scale. ## Ratio Pros & Cons **What users like:** - Users commend the **ease of use** of Ratio, highlighting its seamless integration and user-friendly experience. (7 reviews) - Users find the **easy setup** of Ratio greatly simplifies the onboarding process and enhances overall usability. (6 reviews) - Users value the **quick cash collection and flexible payment plans** offered by Ratio, enhancing partner relationships and user experience. (6 reviews) - Users praise the **exceptional customer support** from Ratio, enhancing efficiency and trust throughout the sales process. (4 reviews) - Users appreciate the **speed and efficiency** of Ratio, significantly enhancing their sales closing process and customer trust. (3 reviews) - Approval Process (2 reviews) - Integrations (2 reviews) - Sales Increase (2 reviews) - Security (2 reviews) - Training Ease (2 reviews) **What users dislike:** - Users experience **slow performance** with Ratio, particularly with delays in receiving authentication codes and loading times. (4 reviews) - Users find the **strict eligibility criteria** challenging, especially when exact business details are required. (2 reviews) - Users find that the **manual approval process** can be inconvenient due to limited credit history from brands. (1 reviews) - Users face **approval process issues** due to manual assessments for brands with limited credit histories, complicating transactions. (1 reviews) - Users report delays in receiving the **one-time code** , causing frustration and inconveniences during the login process. (1 reviews) - Complexity (1 reviews) - Delays (1 reviews) - Editing Limitations (1 reviews) - Inaccuracy Issues (1 reviews) - Poor Customer Support (1 reviews) ## Ratio Reviews ### 1. Seamless Financing with Real-Time Order Updates **Rating:** 5.0/5.0 stars **Reviewed by:** Drake G. | Enterprise (> 1000 emp.) **Reviewed Date:** April 24, 2026 **What do you like best about Ratio?** I love how Ratio is very fast and user-friendly. The first time I used the Ratio portal, it took me less than two to three minutes to navigate through the entire portfolio. Everything is updated in real-time, making it easy for both me and my customers to manage the process. I find using Ratio almost seamless; it's just like a one-click check for financial checks, and the widget updates itself in real time. After sending out the order form, I can track in real time whether the form has been opened, signed, or if there's any holdup. The agreement process is simple, straightforward, and easy for customers to understand without having to read loads of pages. It's also super simple to set up a financial order form with Ratio. Just one click, and it populates all the data, making offers easy to create. Among all the financing options I use, Ratio is my favorite. **What do you dislike about Ratio?** Okay. So this has happened repeatedly with so many of my customers on the last page where there is a sign up, they think the agreement has been done. It has been filled because they have added all details. They have done everything, but they have to, for some reason, scroll down at the bottom of the screen, hit tick, and add and then there is sort of a signature. So I haven't seen the physical agreement, but this has been sort of a repeated thing that is happening with each and every one of my customers. So if that aspect could be more clear and more intuitive so people know that there is another sign up page at the end rather than them getting **What problems is Ratio solving and how is that benefiting you?** I find Ratio very fast and user-friendly. It helps me navigate quickly, making it easy for customers to sign up. Real-time updates simplify tracking order forms and understanding customer progress, while reducing my need to frequently check in with them. **Official Response from Gus Guida:** > Hi Drake, Thank you so much for taking the time to share your experience with Ratio! We are thrilled to hear that our real-time updates and "one-click" financial checks are making your workflow seamless and helping you manage your portfolio more efficiently. Speed and user-friendliness are core to what we build, so it’s great to see that reflected in your daily use. I also want to thank you for the very specific feedback regarding the final signature page. It sounds like there is some friction where customers feel they’ve finished before the final "tick and sign" step. This is incredibly helpful detail for our product team. I’ve shared your comments directly with our UX designers to see how we can make that final step more intuitive and clear so your customers don't experience that "holdup" at the finish line. We appreciate your support and for choosing Ratio as your favorite financing option! Best, Ratio Team ### 2. Smooth Onboarding, quick and reliable. **Rating:** 5.0/5.0 stars **Reviewed by:** Khizar A. | Senior Account Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** April 25, 2026 **What do you like best about Ratio?** I like that Ratio is our financing partner for long contract deals. It helps us lock clients in a long-term contract and provides the luxury of getting a lump sum amount together. The quick and smooth onboarding with less to none documentation is beneficial, both for our company and convenient for the customers as well. Compared to our other financing partners, I like Ratio the most. **What do you dislike about Ratio?** The customer service hasn't been top notch. Sometimes, customers complain that it's very difficult to connect with someone at Ratio for billing problems. **What problems is Ratio solving and how is that benefiting you?** Ratio helps us lock clients in long-term contracts and provides the convenience of receiving a lump sum payment. **Official Response from Gus Guida:** > 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 ### 3. Quick, Cost-Effective Solution for Customer Payments **Rating:** 5.0/5.0 stars **Reviewed by:** Mike A. | Mid-Market (51-1000 emp.) **Reviewed Date:** April 24, 2026 **What do you like best about Ratio?** I think Ratio is great because it's quick and fast, allowing us to get quotes in just a couple of minutes, which saves a lot of time. I also like that it charges very little in fees and provides us with upfront payments. It makes things really efficient for giving quotes to customers, and the monthly payment plans they offer help our customers manage their finances better, which in turn helps our business. Plus, the setup was very easy for us. **What do you dislike about Ratio?** Sometimes quotes do not get approved due to availability issues or sometimes addresses don't work. At those times, Ratio is a bit slow. **What problems is Ratio solving and how is that benefiting you?** I use Ratio to provide quotes quickly and offer monthly payment plans, which help our customers manage large invoices without upfront payments, allowing them to invest in their business. This has improved our revenue and brought in more business. **Official Response from Gus Guida:** > Hi Mike, Thank you for sharing your experience with Ratio! We’re glad to hear that our platform is helping you get quotes to your customers in minutes and that the upfront payments are providing a boost to your business's efficiency and revenue. It’s also great to know that your customers are finding the monthly payment plans helpful for managing their own finances: that’s exactly the kind of win-win we strive for. I also appreciate you being candid about the areas where we can improve. I’ve taken note of your feedback regarding the speed of the platform when dealing with address errors or availability issues. We’re constantly working to refine our data validation and approval workflows to ensure those edge cases don’t slow you down, and your input helps us prioritize those fixes. We value your partnership and are committed to making Ratio even faster and more reliable for you! Best, Gus ### 4. User-Friendly and Fast, Ideal for Vendor Financing **Rating:** 5.0/5.0 stars **Reviewed by:** Sarosh A. | Enterprise (> 1000 emp.) **Reviewed Date:** April 24, 2026 **What do you like best about Ratio?** I like how Ratio swoops in to turn almost lost situations into a win-win when dealing with clients who prefer monthly billing. It's user-friendly, quick, and doesn't involve a lot of steps, which makes it incredibly convenient to use. The speed at which they operate is the best. Setting it up was a piece of cake, which is always nice. **What do you dislike about Ratio?** It doesn't work well when the amount is more than a certain limit. If Ratio could work on higher amounts, I would always want to go with it. If there is a client who has a higher contractual value, then they get routed to another vendor financing provider whose processes are more complicated and time-taking. **What problems is Ratio solving and how is that benefiting you?** Ratio helps us turn unprofitable monthly billing situations into win-win outcomes by providing good pricing for clients and full upfront payment for us. **Official Response from Gus Guida:** > Hi Sarosh, Thank you so much for your feedback! We’re thrilled to hear that Ratio has been able to "swoop in" and turn those tricky billing situations into win-win outcomes for you and your clients. It’s great to know that the speed and ease of our setup are making a tangible difference in your workflow. We also appreciate your honest input regarding the limits on contractual values. We understand that routing higher-value deals to more complex providers adds friction to your process. Please know that we are actively working on expanding our capacity to handle larger amounts so that you can keep more of your high-value business within the streamlined Ratio experience. Thank you for your partnership! Best, Ratio Team ### 5. Effortless Payment Management with Ratio **Rating:** 5.0/5.0 stars **Reviewed by:** Allen I. **Reviewed Date:** April 27, 2026 **What do you like best about Ratio?** I find Ratio really helpful for my customers. It makes it easy for them to make payments. Ratio handles all of the payment process, which means once we make the deal, everything is managed smoothly, making it easy for the customer to handle their payments. The initial setup was very easy for me and my team. It involved simple, basic steps for collaboration and initiating any quotation, and it's just a simple click—that’s it. **What do you dislike about Ratio?** Sometimes, things don't get approved over Ratio, and that kinda hurts things with moving deals forward. **What problems is Ratio solving and how is that benefiting you?** Ratio makes it easy for my customers to make payments, handling the payment side fully after we make a deal. It's been really helpful for my customers. **Official Response from Gus Guida:** > Hi Allen, Thank you for the fantastic review! It’s great to hear that Ratio is making payment management "effortless" for your customers and that your team found the setup so simple. We’re glad we can help handle the heavy lifting after you close a deal so you can focus on the next one. I also really appreciate your feedback regarding the approval process. I know how frustrating it can be when a deal loses momentum at that stage. I’m sharing your comments directly with our credit and underwriting teams as we are constantly looking for ways to make our approval process faster and more transparent for our partners. We appreciate your partnership and look forward to helping you move more deals forward! Best, Gus Guida Ratio ### 6. Streamlined Financing with Faster Resolutions **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User | Mid-Market (51-1000 emp.) **Reviewed Date:** May 28, 2026 **What do you like best about Ratio?** I use Ratio with Motive to help my customers get financed contracts. It's extremely helpful and streamlined. I like the faster resolution when checking if a customer is available for financing; Ratio is the quickest and offers flexible terms. The payment process is the most flexible, and it doesn't require a lot of hassle. The response time is better, resulting in deals closing quickly. The initial setup was very good too. **What do you dislike about Ratio?** I believe the lender fee is too much, if only it could be a bit less. The max contract length is 36 months; if 60 months were available, it would be beneficial. **What problems is Ratio solving and how is that benefiting you?** I use Ratio to help my customers get financed contracts with longer terms and better pricing. It's extremely helpful, streamlined, and flexible, with faster resolution and response times, which helps me close deals quickly. **Official Response from Gus Guida:** > Hi there, Thank you so much for taking the time to share your detailed feedback with us! We are thrilled to hear that Ratio, especially alongside Motive, is helping you streamline financing, speed up resolution times, and close deals quickly for your customers. Providing a hassle-free, flexible payment process is exactly what we aim for. We also sincerely appreciate your transparent feedback regarding the lender fees and the 36-month contract limit. Hearing directly from our partners helps us understand where we can add more value. I have shared your request for extended terms (like 60 months) and your thoughts on pricing directly with our product and finance teams for future planning. Thank you again for partnering with us and helping us improve! Best regards, Gus Guida Ratio Team ### 7. User-Friendly Billing Platform with Flexible Options **Rating:** 4.5/5.0 stars **Reviewed by:** Mathew Y. | Mid-Market (51-1000 emp.) **Reviewed Date:** April 21, 2026 **What do you like best about Ratio?** I find Ratio to be a very good platform, especially because it's quite user-friendly for managing paperwork and using features on Salesforce. It makes tasks pretty easy and provides a user-friendly experience. Additionally, Ratio helps us in acquiring deals by allowing customers to select billing terms and frequencies, giving them leverage in contract selection and providing peace of mind. **What do you dislike about Ratio?** I would say the approval time needs to be expedited. If you guys can improve that, it would be pretty amazing. **What problems is Ratio solving and how is that benefiting you?** Ratio helps us pitch customers with vendor financing deals, securing long-term price locks and maintaining discounts. It simplifies managing billing terms, giving customers flexibility and peace of mind, and making deal acquisition easier. **Official Response from Gus Guida:** > Hi Mathew, Thanks so much for taking the time to share your experience with Ratio! It’s great to hear that our Salesforce integration and flexible billing options are helping you navigate paperwork more easily and, most importantly, helping you win more deals. Providing that kind of leverage and peace of mind for your customers is exactly what we aim for. I also really appreciate your candid feedback regarding approval times. We're always looking for ways to move faster, and I’ve shared your comments directly with our operations team to see how we can expedite that process. Thanks again for your support! Best, Gus Ratio ### 8. Smooth Payment Processes, Great Integration **Rating:** 4.5/5.0 stars **Reviewed by:** Walter H. | Enterprise (> 1000 emp.) **Reviewed Date:** April 21, 2026 **What do you like best about Ratio?** I find Ratio incredibly easy to use, which is a big help for the company. I appreciate the window financing feature and how it allows us to create an offer and inform the customer about their payment options. It integrates well with Salesforce, making it straightforward to run a pre-check on any company or payment with just a click. **What do you dislike about Ratio?** The time when the payment is done and the forms are signed after that, when the PO link is generated, it takes some time, like a day or two. **What problems is Ratio solving and how is that benefiting you?** Ratio reduces customer churn with an easy process and helps our company by paying us upfront, making it beneficial as a payment partner. **Official Response from Gus Guida:** > Hi Walter, Thanks so much for the detailed feedback! It’s great to hear that our Salesforce integration and window financing features are making it easier for your team to run pre-checks and secure upfront payments. We’re glad Ratio is helping you reduce customer churn and providing that extra layer of ease for your company. I also appreciate you highlighting the delay in PO link generation. We’re always looking for ways to streamline our turnaround times, and I’ve shared your feedback with our product and ops teams to see how we can speed up that part of the process for you. Thanks again for the support! Best, Gus ### 9. Boosts Sales with Flexible Payment Options **Rating:** 5.0/5.0 stars **Reviewed by:** John K. | Mid-Market (51-1000 emp.) **Reviewed Date:** February 24, 2026 **What do you like best about Ratio?** I really like the speed and efficiency of being able to see if someone is approved, which has been a game changer for us. The support from the Ratio team is also a huge plus, especially when it comes to understanding if this is a route a client can take. It massively impacts the velocity of our sales closing process. The process from top to bottom is fantastic, allowing us to get sales across the line and close paid-in-full deals. It's great knowing that if there's any hiccup, the Ratio team is ready to help. **What do you dislike about Ratio?** N/A **What problems is Ratio solving and how is that benefiting you?** Ratio helps us offer flexible payment options, attracting more clients at lower rates and increasing sales. It identifies viable sales avenues before calls, reducing friction and streamlining approvals. The support team enhances the experience by resolving issues quickly, closing deals efficiently. **Official Response from Gus Guida:** > Hi John, Thank you so much for the incredible feedback! It’s awesome to hear that Ratio has become such a game-changer for your sales velocity. We know how critical that "speed to approval" is when you're trying to get a deal across the line, so I'm thrilled to see it's making a real impact for your team. I’ll be sure to share your comments with our support team—they take a lot of pride in helping our partners navigate those complex client conversations and close those paid-in-full deals. We’re excited to keep supporting your growth! Best, Gus ### 10. Quick Approvals, Seamless Vendor Financing **Rating:** 4.0/5.0 stars **Reviewed by:** Subuktageen K. | Enterprise (> 1000 emp.) **Reviewed Date:** April 24, 2026 **What do you like best about Ratio?** I use Ratio to get financing options for my clients, and it helps me as a seller get upfront payment while my clients get to pay in monthly installments. I really like that the approval process is pretty quick. One of the features I value the most is Vendor Financing Precheck, as it's easy and reliable. **What do you dislike about Ratio?** Sometimes the precheck approves but when I go for a fullcheck later it declines. It would be better if it declines in the first precheck if needed. **What problems is Ratio solving and how is that benefiting you?** Ratio helps me as a seller get upfront payment while my clients pay in monthly installments. The approval process is pretty quick. **Official Response from Gus Guida:** > Hi Subuktageen, Thank you so much for taking the time to share your experience with Ratio! We are thrilled to hear that our platform is helping you secure upfront payments while providing your clients with the flexibility of monthly installments. It’s also great to know that the Vendor Financing Precheck has been a valuable and reliable tool for your workflow. We also appreciate your candid feedback regarding the discrepancy between the precheck and the full check process. Providing a seamless and predictable experience is a top priority for us, and we understand how a late decline can be frustrating. Your insights have been shared with our product team as we work on refining our pre-approval accuracy to ensure a more consistent experience from start to finish. Thank you again for your partnership and for helping us improve! Best, Ratio Team ### 11. Flexible Billing Frequencies Make Closing Deals Easier **Rating:** 4.5/5.0 stars **Reviewed by:** Ava I. | Account Executive, Enterprise (> 1000 emp.) **Reviewed Date:** April 27, 2026 **What do you like best about Ratio?** billing frequencies are quite flexible and makes it easiers to close cfs 1-2 deals **What do you dislike about Ratio?** Sometimes Ratio’s billing and pricing structure feels a bit complex, and it would be helpful if the options were more straightforward and easier to compare at a glanc **What problems is Ratio solving and how is that benefiting you?** It is allowing small business to have Top of the line fleet management systems in affordable billing structure and help them scale **Official Response from Gus Guida:** > Hi Ava, Thank you so much for taking the time to share your feedback! We’re thrilled to hear that our flexible billing frequencies are giving you a competitive edge and making it easier to close those deals. Helping small businesses access top-tier fleet management systems so they can scale is exactly why we do what we do. We also really appreciate your honest take on our pricing structure. While we aim for maximum flexibility, we definitely don't want that to come at the cost of clarity. Your suggestion for a more straightforward, "at-a-glance" comparison is incredibly helpful, and I'll be sharing this directly with our product and pricing teams to see how we can simplify that experience for you and your clients. Thanks again for being a valued partner and for helping us improve! Best, Gus Guida Ratio ### 12. Effortless Vendor Financing with Ratio **Rating:** 5.0/5.0 stars **Reviewed by:** Marcus U. | SMB Account Executive , Enterprise (> 1000 emp.) **Reviewed Date:** April 24, 2026 **What do you like best about Ratio?** I like how easy Ratio is to use. I just have to confirm the address and the name of the company, and the rest is taken care of by Ratio, which really saves time. It eliminates unnecessary steps, so I don't have to perform time-consuming tasks. It's also convenient, allowing me to just do a couple of clicks to create an offer for the customer. **What do you dislike about Ratio?** Nothing **What problems is Ratio solving and how is that benefiting you?** I use Ratio to create quotes quickly and get upfront payments, while customers can pay in installments, making it profitable and convenient for us. It's easy to use, saving time by just confirming addresses and company details. **Official Response from Gus Guida:** > Hi Marcus, Thank you so much for the 5-star review! We are thrilled to hear that Ratio is making vendor financing "effortless" for you. It’s great to know that the simplified process of just confirming a company's name and address is saving you significant time and eliminating those manual, time-consuming tasks. Our goal is to keep the "clicks" to a minimum so you can focus on closing deals and providing value to your customers. We’re also glad to hear that the balance of upfront payments for you and installment options for your clients is proving profitable and convenient! We appreciate your partnership! Best, Gus ### 13. Dependable Financing Partner with Quick Contract Approvals **Rating:** 4.5/5.0 stars **Reviewed by:** Khizar S. | Mid-Market (51-1000 emp.) **Reviewed Date:** April 28, 2026 **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. **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. **What problems is Ratio solving and how is that benefiting you?** Ratio helps lock customers to our organization, ensuring we get the full contract amount quickly. Their process for contract approval and getting the PO is very fast. **Official Response from Gus Guida:** > 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 ### 14. Flexibility and User-Friendliness at Its Best **Rating:** 5.0/5.0 stars **Reviewed by:** Anjali C. | Enterprise (> 1000 emp.) **Reviewed Date:** April 24, 2026 **What do you like best about Ratio?** I like Ratio for its flexibility, prompt responses, and transparency with no hidden charges. I find their processes very user-friendly and easy to navigate, with minimal documentation required. The terms and conditions are straightforward and easy to understand, making it easy for both me and my clients. The initial setup is also very user-friendly and easy to learn. **What do you dislike about Ratio?** Their minimum amount that they approve the financing on without any additional tax, if they could decrease that, it would be amazing. **What problems is Ratio solving and how is that benefiting you?** Ratio accommodates monthly payments that clients prefer, with flexibility, prompt responses, and no hidden charges. **Official Response from Gus Guida:** > Hi Anjali, Thank you for the wonderful review! We're so glad to hear that you find Ratio’s setup and terms to be straightforward and user-friendly for both you and your clients. Transparency and minimizing paperwork are core to what we’ve built, so it’s rewarding to see that reflected in your experience. Regarding the minimum amount for financing, thank you for being specific with your feedback. We are always looking for ways to make our platform more accessible, and I have shared your request with our product and finance teams to explore how we can better accommodate those lower transaction thresholds. We truly appreciate your partnership! Best, Ratio Team ### 15. Ratio has become our best friend as a top ranked marketing agency. **Rating:** 5.0/5.0 stars **Reviewed by:** Pedro A. **Reviewed Date:** December 19, 2025 **What do you like best about Ratio?** I like how Ratio has allowed us to collect more cash quicker while being able to provide payment plans to our partners. The ability to offer flexible payment plans through Ratio is extremely valuable because we can accommodate the needs and circumstances of partners accordingly, without feeling we're sacrificing anything from our side at kickoff. The initial setup was very straightforward, and Bryan was amazing with the training and guidance through this process. **What do you dislike about Ratio?** The only POI, which is being resolved, would be faster payouts and faster verification of customers - As well as more flexibility with editing customers and offers alone. **What problems is Ratio solving and how is that benefiting you?** I use Ratio to process payments and offer flexible terms, enabling faster access to capital. It helps verify partner reputation, widen our deal scope, and close deals quickly through quick financing. Ratio allows us to offer flexible payment plans tailored to partners' needs without compromising at the start. **Official Response from Gus Guida:** > Hi Pedro, Thank you so much for the fantastic review! We are thrilled to hear that Ratio has become a "best friend" to your agency and that our flexible payment plans are helping you close deals and access capital faster. I will be sure to share your kind words about the training process with Bryan. Regarding the feedback you mentioned, specifically around payout speed, customer verification, and editing flexibility, I want you to know we are listening. We are currently working on resolving these items to ensure our platform is as agile as the agencies we serve. We value your partnership and look forward to continuing to support your growth! Best, Gus Guida ### 16. Effortless Setup, Quick and Efficient Solution **Rating:** 4.5/5.0 stars **Reviewed by:** Tate T. | Mid-Market (51-1000 emp.) **Reviewed Date:** April 27, 2026 **What do you like best about Ratio?** I use Ratio for vendor finance, and I find it quick, which is great. Setting it up was very easy, and it solved pricing issues for me. **What do you dislike about Ratio?** Sometimes it rejects the account and accepts the account which shouldn't be the case, so I get confused about the eligibility. **What problems is Ratio solving and how is that benefiting you?** I use Ratio for vendor finance, and it solved pricing issues for me. **Official Response from Gus Guida:** > Hi Tate, Thank you so much for the 5-star review! We’re thrilled to hear that Ratio has made your vendor finance process more efficient and that the "effortless setup" lived up to its name. Solving those tricky pricing issues is exactly what we aim for. I also want to thank you for being candid about the confusion around account eligibility. I understand how a "reject then accept" experience can be frustrating when you’re trying to move quickly. I’ve shared this feedback directly with our product team so we can look into making those eligibility notifications more consistent and clear for you. We really appreciate your partnership and your help in making Ratio better! Best, Gus Guida Ratio ### 17. Smooth Payments, Needs Faster 2FA **Rating:** 4.5/5.0 stars **Reviewed by:** eitan s. | Account Executive, Mid-Market (51-1000 emp.) **Reviewed Date:** December 04, 2025 **What do you like best about Ratio?** I like that Ratio makes it easy to pay customers month to month. I appreciate the ease of getting through the system and software. The security Ratio provides makes my clients feel comfortable when adding their billing information. I also like how it integrates directly with Salesforce because I use it to collect billing information. The initial setup was very easy. **What do you dislike about Ratio?** Sometimes it takes a while for clients to click finish or receive the code for two-factor authentication. Speed is an issue since it would be better if the code could be sent faster so clients don't have to wait. **What problems is Ratio solving and how is that benefiting you?** Ratio makes it easy to handle monthly payments and adds security, making my clients comfortable with providing billing info. **Official Response from Gus Guida:** > Thank you, eitan s., for your detailed feedback! We are thrilled to hear that Ratio makes it easy to pay customers and that you appreciate the security and ease of use of the system, including the Salesforce integration. Providing secure and seamless payment solutions is a core value of our platform. We acknowledge your feedback regarding the speed of the two-factor authentication (2FA) code delivery and are continuously working to improve performance and speed across the platform. Please don't hesitate to reach out if you ever need any support or have additional suggestions. Best, Gus Guida Ratio ### 18. Effortless Billing with Stellar Support **Rating:** 5.0/5.0 stars **Reviewed by:** Michael p. **Reviewed Date:** December 04, 2025 **What do you like best about Ratio?** I love the fact that Ratio makes it very seamless in qualifying buyers and letting us see the stages they're at. It's very user-friendly. My clients feel that their payments are secure, trusted, and protected, which makes them feel legit. This trustworthiness just makes the workflow very simple. Also, the initial setup was very seamless, and the customer support is great. **What do you dislike about Ratio?** I just think the biggest thing would be changing business addresses when an address is qualified under a previous one. **What problems is Ratio solving and how is that benefiting you?** Ratio helps us make contracts easier, provides flexible payment options to clients, and assists in closing more deals. It's very user-friendly and instills trust, making our workflow simple. **Official Response from Gus Guida:** > Thank you, Michael p., for your stellar feedback and for sharing your experience! We're thrilled to hear that seamless setup and great customer support are what you like best about Ratio. We pride ourselves on offering stellar support and a user-friendly experience, and we're always working to make that experience even better. We also appreciate your feedback regarding the process for changing business addresses; we're continuously looking for ways to streamline and improve our user interface. Please don't hesitate to reach out if you ever need any support or have additional suggestions. Best, Gus Guida ### 19. Exceptionally User-Friendly Platform with Outstanding Service **Rating:** 5.0/5.0 stars **Reviewed by:** Stelios A. | Account Executive, Mid-Market (51-1000 emp.) **Reviewed Date:** December 04, 2025 **What do you like best about Ratio?** This platform is incredibly user-friendly, making it easy to use for customers, businesses, and employees alike. **What do you dislike about Ratio?** Honestly, I have nothing negative to say. The service is excellent—they respond promptly, are willing to work with you on deals, and consistently provide great service. **What problems is Ratio solving and how is that benefiting you?** They offer significant financial benefits and convenience to users on both sides. This enables us to provide attractive discounts and make affordable payment plans available to our customers. **Official Response from Gus Guida:** > Thank you, Stelios A., for taking the time to share your feedback! We are thrilled to hear that you find the platform exceptionally user-friendly, that ease of use is a core value we strive to deliver for all our customers and their teams. We appreciate your kind words about our service and team. Please don't hesitate to reach out if you ever need any support or have suggestions for us. Best, Gus Guida Ratio ### 20. Easy, Straightforward Process with Fast, Helpful Support **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Business Supplies and Equipment | Enterprise (> 1000 emp.) **Reviewed Date:** May 01, 2026 **What do you like best about Ratio?** The process is easy, and access is straightforward. Their response time is great, and they’re quick to help when I need it. **What do you dislike about Ratio?** The interest amount is high compared with other lenders. They also flag a cancellation after an initial payment failure, even when the failure was due to a banking error. **What problems is Ratio solving and how is that benefiting you?** Ratio usually approves our credit applications within minutes, which allows us to take advantage of discounts based on those approvals. **Official Response from Gus Guida:** > Hi there, Thank you for taking the time to share your feedback! We are so glad to hear that you’ve found the Ratio process easy and that our team has been able to provide the fast, helpful support you need. I appreciate your transparency regarding our rates and the automated flags. It’s important to note that Ratio isn't a traditional lender; we are a tech partner. Our platform is designed specifically to help our partners sell more and sell faster by providing near-instant approvals that traditional institutions simply can't match. We aim to balance our pricing with the significant competitive advantage this speed gives your sales team. Regarding the automated cancellation flags for banking errors—I hear you. I understand how frustrating it is to have a system flag a "failure" when it's just a technical hiccup. I’ve shared this specific feedback with our Product and Operations teams so we can refine those triggers and make the post-approval experience as smooth as the initial signup. We value your partnership and are committed to helping your team continue to win more deals. Best regards, Gus Guida Ratio ### 21. Effortless Setup and Excellent Support **Rating:** 4.0/5.0 stars **Reviewed by:** Alioscia C. | Enrollment Advisor **Reviewed Date:** December 18, 2025 **What do you like best about Ratio?** I like that communication with Ratio's reps has been straightforward and very quick to help when something comes up in the approval process. The initial setup was smooth, and we were able to start using it immediately. **What do you dislike about Ratio?** Sometimes because the brands may not have a lot of credit history, it can require a manual approval rather than the usual process. **What problems is Ratio solving and how is that benefiting you?** I use Ratio to collect payment from prospects, which helps in getting upfront cash collected for the business. **Official Response from Gus Guida:** > Hi Alioscia, Thank you so much for taking the time to share your experience! We’re thrilled to hear that you found the initial setup smooth and that our support team has been able to assist you quickly during the approval process. I also appreciate your feedback regarding the manual approval process for brands with limited credit history. While we strive to make approvals as automated as possible, these manual checks help us ensure security and stability for all our users. We are constantly working to refine these workflows to make them even faster. It’s great to know that Ratio is helping you successfully collect upfront cash from your prospects! Best regards, Gus ### 22. Effortless Billing with Long-Term Price Protection **Rating:** 5.0/5.0 stars **Reviewed by:** Alex E. **Reviewed Date:** December 04, 2025 **What do you like best about Ratio?** I love how Ratio makes billing quick and easy for my SMB sales operations. The 2-year option is my personal favorite because it allows our customers to be protected from any price increase for 24 months, which is very good! Also, the initial setup of Ratio was very easy for my team. **What do you dislike about Ratio?** The qualifying can be a bit tough at times if you do not have the exact business name and address. **What problems is Ratio solving and how is that benefiting you?** Ratio makes billing quick and easy. **Official Response from Gus Guida:** > Thank you, Alex E., for your excellent feedback! We are happy to hear that Ratio makes billing quick and easy and that the 2-year price protection option is a favorite, providing long-term value is a key commitment for us. We also appreciate your note about the qualifying process and are continually working to streamline all parts of the application process. Please don't hesitate to reach out if you ever need support. Best, Gus Guida ### 23. Hassle-Free Billing with Easy Payment Options **Rating:** 5.0/5.0 stars **Reviewed by:** Chase G. **Reviewed Date:** December 04, 2025 **What do you like best about Ratio?** I like using Ratio for its easy payment options and monthly billing feature. I appreciate being able to see what stage clients are at in the process. I also found the initial setup to be very easy. **What do you dislike about Ratio?** Sometimes the one-time code takes a little too long to come in. **What problems is Ratio solving and how is that benefiting you?** I use Ratio for billing clients with easy payment options and monthly billing. It allows me to see what stage they are at in the process. **Official Response from Gus Guida:** > Thank you, Chase G., for your kind words and valuable feedback! We're delighted to hear that you find Ratio's easy payment options and monthly billing helpful. Ensuring hassle-free billing is a core value of our platform. We apologize that the one-time code sometimes takes a little too long, and we are actively working on performance improvements for authentication. Please feel free to reach out if you ever need any support or have other suggestions. Best, Gus Guida ### 24. Boosts Transactions and Ensures Upfront Payments **Rating:** 5.0/5.0 stars **Reviewed by:** Tate H. | Account Executive, Mid-Market (51-1000 emp.) **Reviewed Date:** December 04, 2025 **What do you like best about Ratio?** Being able to increase transactions with customers and still get paid upfront **What do you dislike about Ratio?** Sometimes the interface can load a bit slowly **What problems is Ratio solving and how is that benefiting you?** To give customers a monthly option with upfront benefits **Official Response from Gus Guida:** > Thank you, Tate H., for your great feedback! We're glad to hear that Ratio is helping you increase transactions and get paid upfront. That's exactly what we aim to do! We apologize that the interface sometimes loads a bit slowly, and we are continually working to improve performance. Please don't hesitate to reach out if you ever need any support or have additional feedback. Best, Gus Guida ### 25. Quick, Reliable Status Updates **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Consumer Services | Enterprise (> 1000 emp.) **Reviewed Date:** April 21, 2026 **What do you like best about Ratio?** Quick response in the status update about the application. **What do you dislike about Ratio?** Nothing that i can think of however i believe ai should be more interactive **What problems is Ratio solving and how is that benefiting you?** It is helping our company pay in full contract value **Official Response from Gus Guida:** > Hi there, Thanks so much for taking the time to share your experience with Ratio! It’s great to hear that our quick status updates and application responses are hitting the mark for you. We know how vital transparency is in the process, and we're glad we can help your company secure that full contract value upfront. I also really appreciate your feedback regarding making our AI more interactive. We’re always looking for ways to evolve our technology, and I’ve shared your suggestion directly with our product team as they look at our future roadmap. Thanks again! Gus ### 26. Easy to Use with Great Gift Card Options **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Hospital & Health Care | Mid-Market (51-1000 emp.) **Reviewed Date:** December 04, 2025 **What do you like best about Ratio?** I like the ratio gift cards and the ease of use **What do you dislike about Ratio?** I don’t like how the qualification process works, and sometimes it loads too long **What problems is Ratio solving and how is that benefiting you?** It solves the problem with severed payment structures **Official Response from Gus Guida:** > Thank you, Verified User in Hospital & Health Care, for your feedback! We're glad to hear that you like the ease of use of the platform, providing a simple, valuable experience is a key part of our service. We apologize that the qualification process is sometimes difficult and that the platform occasionally loads slowly. We are continuously working to improve performance and user experience. Please don't hesitate to reach out if you ever need any support. Best, Gus Guida Ratio ### 27. Horrible customer support - Gus especially is awful **Rating:** 1.5/5.0 stars **Reviewed by:** Verified User in Health, Wellness and Fitness | Mid-Market (51-1000 emp.) **Reviewed Date:** December 23, 2025 **What do you like best about Ratio?** East of use frequency of use east of integration **What do you dislike about Ratio?** Gus - he is an awful CSM one of the least responsive people on planet earth customer support in general is horrible **What problems is Ratio solving and how is that benefiting you?** sales **Official Response from Gus Guida:** > Hello, Thank you for sharing this candid feedback. I apologize that my responsiveness and our general support have not met your expectations. We take this very seriously. We are currently reviewing our support processes to improve response times, and we ask for your patience as we work to correct this. In the meantime, I want to ensure you have the support you need immediately. If there are outstanding issues blocking your team, please reach out to support@ratiotech.com so we can prioritize them right away. Best, Gus - [View Ratio pricing details and edition comparison](https://www.g2.com/products/ratio/reviews?section=pricing&secure%5Bexpires_at%5D=2026-06-24+00%3A49%3A07+-0500&secure%5Bsession_id%5D=0275cac9-b467-4122-ab4b-8ef0a7709ec6&secure%5Btoken%5D=de5d390876ffbb2c465ae8467fa506697a2f18f5e0e04d168781bb548c50fbcb&format=llm_user) ## Ratio Integrations - [Agentforce 360 Platform (formerly Salesforce Platform)](https://www.g2.com/products/agentforce-360-platform-formerly-salesforce-platform/reviews) - [Agentforce Sales (formerly Salesforce Sales Cloud)](https://www.g2.com/products/agentforce-sales-formerly-salesforce-sales-cloud/reviews) ## Ratio Features **Document Creation** - Customizability: Variables and Fields - Template Creation and Flexibility - Rich Media - Online Document Creation - PDF Creation - Custom Branding **Billing** - Automation **Administration - Installment Payment and Buy Now Pay Later (BNPL)** - Email Notifications - Invoicing - Customer Portal **Dashboard** - Capital - Payouts - Fees - Payment Schedule **Agentic AI - Accounting & Finance** - Autonomous Task Execution **Workflow** - Document Builder Interface - Collaborative Creation - Assembly and Approval Workflows **Dunning** - Collections - Dispute Management - Escalation **Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)** - Payment Gateway - Payment Tracking - Payment Scheduling **Integrations** - Subscription Management - Banking - Accounting **Analytics** - Engagement Tracking - Proposal Effectiveness Reporting - Reporting and Dashboards **Performance** - Packages - Discounts - Plan Changes **Analytics/Reporting** - Customer Metrics **Agentic AI - Installment Payment and Buy Now Pay Later (BNPL) features** - Adaptive Learning - Proactive Assistance - Decision Making **Administration and Platform** - User, Role, and Access Management - Alerts and Notifications - CRM Integration - E-Signature Integration - CPQ Integration - API / Integrations **Agentic AI - Recurring Revenue Finance** - Multi-step Planning **Generative AI** - AI Text Generation **Agentic AI - Subscription Billing** - Autonomous Task Execution - Multi-step Planning - Cross-system Integration - Adaptive Learning ## Top Ratio Alternatives - [Brex](https://www.g2.com/products/brex/reviews) - 4.8/5.0 (1,565 reviews) - [DealHub](https://www.g2.com/products/dealhub/reviews) - 4.7/5.0 (836 reviews) - [NetSuite](https://www.g2.com/products/oracle-netsuite/reviews) - 4.1/5.0 (4,684 reviews)