Fintech startup Ratio Raises $15.8M in Funding

The company will use the funds to accelerate its product development using AI agents.

The funding comes as Ratio launches its AI Proposal Agent, now in beta. The tool generates quotes and payment terms directly within the sales process, using its own data and models that factor in pricing, contracts, risk, and buyer intent. It helps sales teams offer the right deal structure—giving buyers flexibility while still protecting the company’s cash flow.

A common problem in sales occurs when a buyer is ready to move forward but hesitates to pay the full annual amount upfront. To close the deal the seller must choose between offering a discount to make the annual price more affordable and switching to the buyer preferred monthly payments.

Discounting reduces the overall value of the deal, while monthly payments delay cash flow, and create additional work, such as billing, and collections. For fast growing B2B companies, this becomes a bigger issue over time. Ratio solves this by letting buyers choose flexible payment options while ensuring sellers still get paid upfront, keeping the entire process smooth from proposal to payment.

The company ended 2025 with 349% year-over-year ARR growth, after more than 800% growth in 2024. This strong growth reflects a broader shift in how B2B tech companies approach payments.

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Ratio is designed for fast-growing B2B tech companies—like software, AI, robotics, IoT, and tech-enabled services—that have recurring revenue and many deals. It helps these companies by:

Ratio helps companies get paid upfront while allowing buyers to pay over time, removing the need for discounts and reducing billing delays. It makes it easier for buyers to commit with flexible payment options, improving deal close rates without reducing profit. It also connects the entire process—from proposals to payments, renewals, and collections—into one system, reducing errors and preventing revenue loss.

“Ratio has been a game changer for us,” said Curtis Bendt, CRO of MarketJoy. “We can get paid upfront on every deal, no matter the payment terms. Having proposals, funding, and billing in one place makes things much easier. Their AI Proposal tool also helps our team create better proposals faster using customer data, competition, and pricing insights.”

“Most growing companies face the same problem,” said Ashish Srimal, co-founder and CEO of Ratio. “Buyers want flexible payment terms, but sellers need cash upfront. This usually forces sellers to either give discounts or deal with slow payments and extra billing work. Ratio removes this tradeoff. Buyers get flexible terms, and sellers get paid upfront without discounts or delays. Closing a deal should not just mean a signature—it should mean getting paid.”

About Ratio

Founded in 2021, and based in San Francisco, by Ashish Srimal and Mason Blake. It helps fast growing B2B tech companies get cash upfront from signed deals. The platform brings together proposals, flexible payment options, and collections in a single system, helping companies reduce delays, improve cash flow and avoid choosing between discounts and slow payments.

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