Ratio

Ratio combines payments, pricing, financing, and checkout into one platform, which allows B2B SaaS companies to boost sales while gaining immediate access to the value of new contracts. The platform targets subscription-based businesses that could use its product to offer flexible financing options to match customer cash flows, instead of discounts. Its offering includes “Ratio Boost,” a BNPL payments and checkout product, that is integrated with the seller’s point-of-sale (POS) system via an API. Ratio Boost also uses machine learning to validate and optimize product pricing and payments for factors like churn risk, lifetime value, and willingness to pay. Its other solution, “Ratio Trade,” offers a non-dilutive upfront capital solution for high growth SaaS and recurring revenue companies backed by the user’s portfolio of contracts, and eliminates the need for vendors to discount their offerings or dilute equity to access working capital.

Funding and financials

Ratio’s most recent funding was in September 2022 , when it raised USD 411 million through equity (USD 11 million) and debt (USD 400 million). The funds were allocated to launch and develop its BNPL platform and expand its team.

The company’s annual recurring revenue grew 10x between the first and second quarters of 2022 following its launch at the beginning of 2022.

Competitors: None under coverage (Ratio’s target market is unique. It offers B2B BNPL solutions specifically targeted at subscription-based businesses).