Ratio has raised $15.8 million in venture funding to advance its AI capabilities and expand its embedded financing infrastructure for SaaS and recurring revenue businesses. Alongside the equity round, the company also secured an additional $100 million in lending capacity, further strengthening its ability to support flexible payment solutions.
The funding round included participation from existing investors such as Streamlined Ventures, Cervin Ventures, HoneyStone Ventures, Monte Carlo Capital, Jarvis Investments, and Sandhill Angels, reinforcing continued confidence in Ratio’s growth trajectory.
Founded in 2022, Ratio operates at the intersection of billing, proposals, and embedded finance. Its platform enables businesses to combine pricing, contract management, and payment terms into a unified workflow, reducing operational friction and improving cash flow predictability. By embedding buy now, pay later (BNPL) capabilities directly into the sales process, Ratio allows companies to close deals faster without relying on discounts or complex payment structures.
The company reported strong momentum, with 349% year-over-year ARR growth in 2025, signaling increasing demand for integrated financial workflows in B2B environments.
A key focus of the new funding is the development of AI-driven functionality, particularly its AI Proposal Agent. Currently in beta, the tool leverages inputs such as pricing data, contractual terms, and buyer intent signals to automatically generate tailored proposals and payment structures. These outputs integrate directly into sales workflows, helping teams accelerate deal cycles and improve conversion rates.
According to the company, early results indicate measurable impact, including higher close rates and increased average contract values, as automation reduces manual bottlenecks in the sales and financing process.
The additional $100 million lending capacity is structured as a debt facility designed to fund customer transactions within Ratio’s embedded BNPL offering. This enables sellers to receive immediate payment while buyers pay over time, improving liquidity without requiring equity dilution.
By combining AI-driven sales automation with embedded financial infrastructure, Ratio is positioning itself as a platform that moves beyond traditional billing tools toward a more integrated, end-to-end “agentic” approach to B2B revenue operations.
