Loading
Ratio is a financial technology company based in San Mateo, California, specializing in B2B buy-now-pay-later (BNPL) solutions and upfront capital financing for the SaaS and technology sectors. Founded in 2021, Ratio aims to help SaaS businesses close deals more quickly by offering flexible payment terms while ensuring they receive upfront payments. The company provides two main products: Ratio Boost, a BNPL solution that allows SaaS companies to offer deferred payment options to their customers while receiving immediate cash flow, and Ratio Trade, which offers upfront capital based on the value of customer contracts. These services enable high-growth SaaS firms to optimize their capital structure and support sales growth without diluting ownership. Ratio's solutions are designed to streamline the procurement and payment processes for B2B customers, acting as a financial intermediary that enhances the sales cycle.