--- title: Ratio Reviews meta_title: 'Ratio Reviews 2026: Details, Pricing, & Features | G2' meta_description: Filter 29 reviews by the users' company size, role or industry to find out how Ratio works for a business like yours. aggregate_rating: rating_value: 4.6 review_count: 29 scale: '5' date_modified: '2026-07-25' 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:** 4.6/5.0 **Total Reviews:** 29 ## 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 find Ratio's **ease of use** exceptional, enhancing workflows with seamless integration and a user-friendly experience. (7 reviews) - Users value the **easy setup** of Ratio, making onboarding and payments straightforward and user-friendly. (6 reviews) - Users value the **quick and flexible payment processing** of Ratio, enhancing cash flow and partner relationships. (6 reviews) - Users commend the **outstanding customer support** from Ratio, ensuring quick assistance and enhancing their sales process efficiency. (4 reviews) - Users value the **speed and efficiency** of Ratio, enhancing sales processes and ensuring quick cash collection. (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 delayed codes and prolonged loading times, impacting their overall satisfaction. (4 reviews) - Users find the **strict eligibility criteria** challenging, especially with the requirement for exact business details. (2 reviews) - Users find that the **manual approval process** can delay their experience due to insufficient credit history for brands. (1 reviews) - Users face **approval process issues** due to manual interventions when brands lack extensive credit history. (1 reviews) - Users often experience **delays in receiving one-time codes** , which can hinder their access and usability of Ratio. (1 reviews) - Complexity (1 reviews) - Delays (1 reviews) - Editing Limitations (1 reviews) - Inaccuracy Issues (1 reviews) - Poor Customer Support (1 reviews) - [View Ratio pricing details and edition comparison](https://www.g2.com/products/ratio/reviews?page=2§ion=pricing&secure%5Bexpires_at%5D=2026-07-26+01%3A41%3A33+-0500&secure%5Bsession_id%5D=d5765ff2-d4b6-486d-8ce1-d4aa4f816ae2&secure%5Btoken%5D=29be1b84c9e188f6561bab3b0a74b6d5fa3c94330b2f7e4b3a4c88d610a42420&format=llm_user) ## Ratio Integrations - [Agentforce Sales (formerly Salesforce Sales Cloud)](https://www.g2.com/products/agentforce-sales-formerly-salesforce-sales-cloud/reviews) - [Salesforce Headless 360 Platform (formerly Salesforce Platform)](https://www.g2.com/products/agentforce-360-platform-formerly-salesforce-platform/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 (1,591 reviews) - [DealHub AI](https://www.g2.com/products/dealhub-ai/reviews) - 4.7/5.0 (834 reviews) - [NetSuite](https://www.g2.com/products/oracle-netsuite/reviews) - 4.1/5.0 (4,727 reviews)