Ratio Reviews & Product Details

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.

Product Website

Seller

Ratio

Discussions

Ratio Community

Languages Supported

English

Overview by

Sandy Clark

Ratio Integrations

(2)

Verified by Ratio

Ratio Media

Sellers set up payment terms and Buyers can pick what they prefer.

Ratio seamlessly integrates into your CRM so AEs can easily sen offers with flexible payments.

Sellers can follow the status of each offer.

Sellers can monitor the status of all offers.

Ratio offers a new way to sell, buy and finance subscription companies without dilution or debt. Boost your sales process with B2B Buy Now, Pay Later (BNPL for B2B SaaS / Tech) and Trade your existing customer contracts for Non-Dilutive Gro

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John K.

Mid-Market (51-1000 emp.)

2/24/2026

"Boosts Sales with Flexible Payment Options"

5/5

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. Review collected by and hosted on G2.com.

What do you dislike about Ratio?

N/A Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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

Pedro A.

12/19/2025

"Ratio has become our best friend as a top ranked marketing agency."

5/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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

eitan s.

Account Executive

Mid-Market (51-1000 emp.)

12/4/2025

"Smooth Payments, Needs Faster 2FA"

4.5/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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

Michael p.

12/4/2025

"Effortless Billing with Stellar Support"

5/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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

Stelios A.

Account Executive

Mid-Market (51-1000 emp.)

12/4/2025

"Exceptionally User-Friendly Platform with Outstanding Service"

5/5

What do you like best about Ratio?

This platform is incredibly user-friendly, making it easy to use for customers, businesses, and employees alike. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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

Alioscia C.

Enrollment Advisor

12/18/2025

"Effortless Setup and Excellent Support"

4/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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

Alex E.

12/4/2025

"Effortless Billing with Long-Term Price Protection"

5/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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

Chase G.

12/4/2025

"Hassle-Free Billing with Easy Payment Options"

5/5

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. Review collected by and hosted on G2.com.

What do you dislike about Ratio?

Sometimes the one-time code takes a little too long to come in. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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

Tate H.

Account Executive

Mid-Market (51-1000 emp.)

12/4/2025

"Boosts Transactions and Ensures Upfront Payments"

5/5

What do you like best about Ratio?

Being able to increase transactions with customers and still get paid upfront Review collected by and hosted on G2.com.

What do you dislike about Ratio?

Sometimes the interface can load a bit slowly Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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

Verified User in Hospital & Health Care

Mid-Market (51-1000 emp.)

12/4/2025

"Easy to Use with Great Gift Card Options"

4/5

What do you like best about Ratio?

I like the ratio gift cards and the ease of use Review collected by and hosted on G2.com.

What do you dislike about Ratio?

I don’t like how the qualification process works, and sometimes it loads too long Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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