Ratio Raises $115.8M, Deploys AI to End B2B Cash Flow Wars

SAN FRANCISCO, CA – April 14, 2026 – Ratio, an AI-powered fintech platform, today announced a major capital infusion, having closed a $15.8 million venture financing round and secured an additional $100 million in lending capacity. The news comes on the heels of a period of explosive, capital-efficient growth for the company, which achieved GAAP profitability in August 2025 while posting 349% year-over-year ARR growth.

This financial milestone, which builds upon a previous $411 million in combined equity and credit announced in 2022, is set to accelerate the company’s mission to solve one of the most persistent and painful problems for B2B technology scale-ups: the cash flow crunch. The funding also coincides with the beta rollout of Ratio's AI Proposal Agent, a new product designed to fundamentally change how B2B deals are structured and closed.

The Persistent B2B Cash Flow Dilemma

For high-growth B2B technology companies, success often brings a difficult paradox. A buyer is ready to sign a deal, but the large upfront cost of an annual contract creates hesitation. To save the deal, the seller faces a punishing choice: offer a steep discount to make the annual payment more palatable, or concede to the monthly payment terms the buyer wants.

Neither option is ideal. Discounting directly erodes margins and devalues the product. Accepting monthly payments preserves the total contract value but saddles the seller with slow, unpredictable cash flow, significant collections overhead, and the risk of revenue leakage from billing errors or churn. For scale-ups managing a high volume of deals, this tradeoff compounds quickly, stifling growth and creating a constant drag on operations.

This cash flow gap is a well-documented challenge in the B2B sector, where even profitable companies can struggle to manage working capital when revenue recognition and cash-in-hand are misaligned. Ratio was built to eliminate this dilemma entirely. The platform allows sellers to offer customers the flexible payment schedules they desire, while Ratio pays the seller the full contract value upfront.

A Hybrid Model for Sustainable Growth

Ratio's financial strategy is as noteworthy as its product. By combining venture capital with substantial lending facilities, the company has forged a hybrid model that supports its own rapid scaling and that of its customers. The new $100 million lending capacity, added to a previous $400 million credit facility, provides the dry powder to purchase customer contracts and provide the upfront cash that is central to its value proposition.

This approach appears to be paying off. The company's reported 349% year-over-year ARR growth in 2025, which followed a staggering 800%+ growth in 2024, places it in a hyper-growth category that far outpaces industry medians. What makes these figures particularly remarkable is that they were achieved alongside GAAP profitability. In an environment where many high-growth tech firms burn through capital in pursuit of market share, Ratio’s ability to grow quickly while maintaining financial discipline suggests a highly efficient and robust business model.

"Most scale-ups are stuck in the same trap," said Ashish Srimal, co-founder and CEO of Ratio, in a statement. "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."

AI Enters the Deal Room

The most forward-looking aspect of Ratio's announcement is the launch of its AI Proposal Agent. Currently in beta, this tool embeds directly into a company's sales workflow, moving beyond the capabilities of legacy proposal or CRM software. The agent uses proprietary data and machine learning models—incorporating pricing history, contract terms, underwriting data, and buyer intent signals—to generate optimized quotes and payment terms on the fly.

Instead of relying on guesswork or a rigid playbook, sales teams can use the AI agent to present the ideal commercial structure for each specific deal. The agent helps craft an offer that gives buyers the payment flexibility they need to commit, while simultaneously protecting the seller's cash position and margins. This represents a significant leap in sales enablement, moving from static document generation to dynamic, intelligent deal-crafting.

This AI-driven approach connects the entire commercial flow—from initial proposal to payment, collections, and renewals—within a single, cohesive system. The goal is to reduce the manual handoffs, billing errors, and fragmented communication that lead to revenue leakage and a poor customer experience.

Unlocking Sales and Redefining 'Closed'

The ultimate impact of Ratio's platform is measured in sales performance. By removing payment friction as a closing barrier, the company helps its clients accelerate sales cycles and improve key metrics. According to the company, one mid-market B2B technology firm using Ratio saw its close rates jump by 30%, average contract value (ACV) increase by 25%, and bad debt fall by 25%.

This sentiment was echoed by early adopters. “Ratio has been a game changer for us,” said Curtis Bendt, CRO of MarketJoy. “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.”

By integrating financing directly into the point of sale, Ratio is challenging the traditional definition of a closed deal. For many sales teams, 'close' simply means getting a signature. Ratio's leadership argues it should mean something more tangible.

As Srimal puts it, "Close shouldn't mean signature. It should mean cash." With its new funding and advanced AI capabilities, the company is now better equipped than ever to make that vision a reality for B2B technology companies everywhere.