Ratio
Ratio is a fintech company in San Mateo, United States, founded in 2021. It has raised $426.8M across 2 rounds, most recently a $15.8M Venture Round in April 2026.
BNPL for B2B and SaaS — win more deals, get paid upfront.
- 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
Totals include recorded grants and other qualifying funding, not just equity. What counts toward funding.
Indexed holds 2 funding rounds and 5 investors for this company. The full record is or through the API.
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
It lists 11–50 employees. It has raised $426.8M in total across 2 rounds, most recently a $15.8M Venture Round in Apr 2026. Investors include Streamlined Ventures, Cervin Ventures and Honeystone Ventures.
Funding History
Apr 2026
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Funding: Venture Round. Amounts, valuations, and investors where available.
Investors
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