Ratio is a new kind of FinTech which combines financing, payments, predictive pricing and a frictionless quote to cash process into one platform for SaaS and technology companies. We are reinventing the way that recurring revenue businesses, starting with SaaS companies, accelerate sales and leverage capital to fuel growth.
Ratio is democratizing how customers buy technology and how technology companies fund themselves by removing barriers to purchase and creating access to a new source of growth capital. Simultaneously, we are creating a new multi-trillion dollar fixed income asset class for investors.
We currently offer two products to serve this market:
a) Ratio Boost - A fully integrated buy-now-pay-later (BNPL) payment and checkout product for SaaS and recurring revenue companies. Your customers are offered ultimate payment flexibility and a frictionless buying experience, while you still get paid upfront for each customer contract without discount or dilution.
b) Ratio Trade - A non-dilutive upfront capital solution for high growth SaaS and recurring revenue companies backed by their portfolio of contracts. No need for companies to discount or dilute for growth or working capital. No restrictive covenants and access to capital in days not months.
Ratio is democratizing how customers buy technology and how technology companies fund themselves by removing barriers to purchase and creating access to a new source of growth capital. Simultaneously, we are creating a new multi-trillion dollar fixed income asset class for investors.
We currently offer two products to serve this market:
a) Ratio Boost - A fully integrated buy-now-pay-later (BNPL) payment and checkout product for SaaS and recurring revenue companies. Your customers are offered ultimate payment flexibility and a frictionless buying experience, while you still get paid upfront for each customer contract without discount or dilution.
b) Ratio Trade - A non-dilutive upfront capital solution for high growth SaaS and recurring revenue companies backed by their portfolio of contracts. No need for companies to discount or dilute for growth or working capital. No restrictive covenants and access to capital in days not months.
Location: United States, California, San Mateo
Employees: 11-50
Total raised: $411M
Founded date: 2021
Investors 4
| Date | Name | Website |
| 14.10.2022 | Streamline... | streamline... |
| 09.10.2025 | Cervin | cervin.com |
| - | MK Venture... | mk-vc.com |
| - | Transolam | transolam.... |
Funding Rounds 1
| Date | Series | Amount | Investors |
| 16.09.2022 | - | $411M | - |
Mentions in press and media 11
| Date | Title | Description |
| 09.07.2024 | Nom Nom Data Partners with Ratio Technologies to Revolutionize AI Deployments with Flexible Payments | AI and Data Management Innovator, Nom Nom Data Announces Partnership with Ratio Technologies to Revolutionize AI Deployments with Flexible Payment Solutions Partnering with Ratio, we're breaking new ground in data engineering and AI, removi... |
| 26.06.2024 | Ratio Technologies Partners with Nom Nom Data to Transform AI Deployments | Ratio Technologies, (Ratio) is excited to announce a strategic partnership with Nom Nom Data, Inc., a pioneer in AI, data management, and labelling. This collaboration marks a significant milestone in driving the mass adoption of Nom Nom Da... |
| 22.09.2023 | How To Navigate Alternative Financing For Tech Entrepreneurs | Ashish Srimal, cofounder & CEO at Ratio, is a SaaS entrepreneur and executive who has built SaaS startups and led large SaaS businesses. |
| 24.08.2023 | Raising Capital And Optimizing Structure In The Subscription Economy | Ashish Srimal, cofounder & CEO at Ratio, is a SaaS entrepreneur and executive who has built SaaS startups and led large SaaS businesses. |
| 09.06.2023 | Five Fintech Solutions That Can Help SaaS Startups Win More Customers | Ashish Srimal, cofounder & CEO at Ratio, is a SaaS entrepreneur and executive who has built SaaS startups and led large SaaS businesses. |
| 28.03.2023 | Cervin Founder Spotlight: Ashish Srimal of Ratio | Ashish started Ratio alongside Mason Blake, a fellow repeat founder. Ratio’s founding team consists of veteran operators in SaaS, technology, risk and finance; they’ve led teams within public companies and early stage businesses. Hoping to ... |
| 16.09.2022 | Ratio Emerges From Stealth, Acquires $411M to Streamline B2B SaaS Payments | Ratio, a new kind of fintech platform that combines payments, predictive pricing, financing, and a frictionless quote to cash process into one platform for SaaS and technology companies, emerged from stealth and “announced raising $11M in v... |
| 15.09.2022 | Ratio Raises $411M in Equity and Debt Funding | Ratio Ratio, a San Mateo, Calif.-based fintech platform, emerged from stealth raising $11M in venture funding and a $400M credit facility for customer financing. Backers include Streamlined Ventures, Cervin Ventures, 8-Bit Capital, HoneySto... |
| 15.09.2022 | Ratio emerges from stealth with $411 million in equity, credit to launch ‘buy now, pay later’ (BNPL) for B2B SaaS | The Buy now, pay later (BNPL) phenomenon has grown in popularity over the years as consumers seek alternative methods of financing. BNPL is a new payment option that allows consumers to receive their purchase right away (Buy Now), either on... |
| 15.09.2022 | Ratio bags $411M in equity, credit for flexible subscription payment models | Fintech startup Ratio secured $411 million in equity and debt funding to continue developing what it calls “a new flavor” of buy now, pay later that combines payments, predictive pricing, financing and a quote-to-cash process. Co-founder an... |
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