How much funding has Ratio raised?

Ratio has raised $426.8M in total funding, most recently a Venture Round.

Who are Ratio's investors?

Ratio's investors include Streamlined Ventures, Cervin Ventures, Honeystone Ventures, Monte Carlo Capital, 8-Bit Capital.

Where is Ratio headquartered?

Ratio is headquartered in San Mateo, California, United States.

Ratio

BNPL for B2B and SaaS — win more deals, get paid upfront.

San Mateo, United States · Founded 2021 · $426.8M raised

Fintech

Headquarters: San Mateo, California
Employees: 11–50
Founded: 2021
Business Model: B2B

Website: ratio.me
Total Funding: $426.8M
Last Round: $15.8M Venture RoundApr 2026
Rounds: 2

About

Ratio is a B2B fintech platform founded in 2021 and headquartered in San Mateo, California, that combines buy-now-pay-later payments, predictive pricing, financing, and quote-to-cash automation into a single platform purpose-built for SaaS and recurring revenue companies. Through Ratio Boost, technology vendors can offer customers flexible payment terms while receiving 100% of total contract value upfront with no dilution or discounting. Through Ratio Trade, high-growth SaaS companies access non-dilutive capital backed by their contract portfolios. By democratizing how customers buy technology and how tech companies fund growth, Ratio is creating a new fixed-income asset class for institutional investors.

Summary

Ratio is a Fintech company based in San Mateo, United States, founded in 2021. It has raised $426.8M in total across 2 rounds, most recently a $15.8M Venture Round round in Apr 2026. Investors include Streamlined Ventures, Cervin Ventures and Honeystone Ventures.