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: $511M
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 2
| Date | Series | Amount | Investors |
| 14.04.2026 | - | $100M | - |
| 16.09.2022 | - | $411M | - |
Mentions in press and media 16
| Date | Title | Description |
| 14.04.2026 | Ratio Secures $100M to Solve B2B Tech Cash Flow Issues | Fintech innovator Ratio revealed that it has obtained $100 million in lending ability as well as closed a $15.8 million venture funding round. The two-pronged funding victory comes as B2B scale-ups are hindered by the gap between contract a... |
| 14.04.2026 | Ratio Raises $15.8M in Funding | Ratio, a San Francisco, CA-based provider of an AI Fintech platform for B2B scale-ups, closed a $15.8m venture financing round and secured $100m in lending capacity. Backers included Streamlined Ventures, Cervin Ventures, HoneyStone Venture... |
| 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 ... |
| 28.03.2023 | Cervin Founder Spotlight: Ashish Srimal of Ratio | Ratio is a new kind of Enterprise FinTech company which combines financing and a deal closing platform for SaaS and technology companies. Ashish started Ratio alongside Mason Blake, a fellow repeat founder. Ratio’s founding team consists of... |
| 18.01.2023 | Cervin's 2022 Recap & 2023 Predictions | 2022 in Review 2022 was a very eventful year at Cervin. We welcomed new team members and portfolio companies and participated in funding rounds for existing companies. Here are some highlights from 2022: Investments and Team We are pleased ... |
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