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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Drake G.

Enterprise (> 1000 emp.)

4/24/2026

"Seamless Financing with Real-Time Order Updates"

5/5

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. Review collected by and hosted on G2.com.

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 Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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

Khizar A.

Senior Account Manager

Mid-Market (51-1000 emp.)

4/25/2026

"Smooth Onboarding, quick and reliable."

5/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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

Mike A.

Mid-Market (51-1000 emp.)

4/24/2026

"Quick, Cost-Effective Solution for Customer Payments"

5/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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

Sarosh A.

Enterprise (> 1000 emp.)

4/24/2026

"User-Friendly and Fast, Ideal for Vendor Financing"

5/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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

Allen I.

4/27/2026

"Effortless Payment Management with Ratio"

5/5

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. Review collected by and hosted on G2.com.

What do you dislike about Ratio?

Sometimes, things don't get approved over Ratio, and that kinda hurts things with moving deals forward. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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

Mathew Y.

Mid-Market (51-1000 emp.)

4/21/2026

"User-Friendly Billing Platform with Flexible Options"

4.5/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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

Walter H.

Enterprise (> 1000 emp.)

4/21/2026

"Smooth Payment Processes, Great Integration"

4.5/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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

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

Subuktageen K.

Enterprise (> 1000 emp.)

4/24/2026

"Quick Approvals, Seamless Vendor Financing"

4/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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

Ava I.

Account Executive

Enterprise (> 1000 emp.)

4/27/2026

"Flexible Billing Frequencies Make Closing Deals Easier"

4.5/5

What do you like best about Ratio?

billing frequencies are quite flexible and makes it easiers to close cfs 1-2 deals Review collected by and hosted on G2.com.

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 Review collected by and hosted on G2.com.

Response from Gus Guida of Ratio

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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