Ratio, an AI-driven fintech platform focused on B2B technology scale-ups, announced it has raised $15.8 million in venture funding and secured $100 million in lending capacity to address persistent cash flow challenges in the sector. The announcement follows the company achieving GAAP profitability in August 2025, underscoring its capital-efficient growth trajectory.
Ratio reported strong momentum, closing 2025 with 349% year-over-year ARR growth after exceeding 800% growth in 2024. The company positions itself at the center of a structural shift in how B2B technology vendors manage payments and deal structures.
At the core of Ratio’s platform is a solution to a common dilemma faced by B2B sellers: whether to offer discounts to secure upfront annual payments or accept monthly billing that delays cash flow and introduces operational complexity. Ratio removes this tradeoff by enabling sellers to receive full payment upfront while allowing buyers to pay over time, streamlining the entire process from proposal to cash collection.
The company also introduced its AI Proposal Agent, currently in beta, alongside the funding announcement. The tool integrates directly into sales workflows, generating pricing and payment structures using proprietary models that incorporate contract data, underwriting insights, pricing strategies, and buyer intent signals. The goal is to help sales teams present optimized offers that preserve margins while increasing buyer flexibility.
Ratio’s platform is designed for B2B technology scale-ups across sectors such as software, AI, robotics, IoT, and tech-enabled services. By consolidating proposals, payments, renewals, and collections into a unified workflow, the platform aims to reduce operational friction, improve cash timing, and minimize revenue leakage.
According to the company, a mid-market B2B technology customer using Ratio saw measurable improvements, including a 30% increase in close rates, a 25% increase in average contract value, and a 25% reduction in bad debt.
KEY QUOTES:
“Most scale-ups are stuck in the same trap. The buyer wants flexible terms, but the seller needs cash. So they either discount to force annual upfront and give up margin, or they accept monthly and deal with slow cash, messy collections, and revenue leakage. We eliminate that tradeoff. With Ratio, buyers get the terms that make it easy to say yes, and sellers get paid upfront, no discounting, no billing drag, no fragmented handoffs. Close shouldn’t mean signature. It should mean cash.”
Ashish Srimal, Co-Founder And CEO, Ratio
“Ratio has been a game changer for us. The ability to get cash upfront on every deal, regardless of billing cadence, is huge. Having proposals, funding, and billing in one platform just makes sense. And Ratio’s AI Proposal workflow reimagines what legacy proposal tools can do, helping our reps build smarter proposals faster using customer context, competitive dynamics, and pricing data.”
Curtis Bendt, CRO, MarketJoy
