SAN FRANCISCO: #BNPL--Ratio is the only platform that combines embedded Buy Now, Pay Later (BNPL) with a fully integrated Quote-to-Cash system for B2B subscription businesses. Today, the company announced the launch of its Custom Payment Terms feature, which enables sellers to tailor financing options to match each buyer’s cash flow needs—without sacrificing upfront revenue. This release comes as Ratio reports over 800% growth in the past 12 months and adds Taxwell (also known as Drake Software) as a marquee customer.

"Businesses shouldn’t have to choose between offering flexible terms and protecting their cash flow,” said Ashish Srimal, CEO and co-founder of Ratio. “We eliminate that tradeoff by letting sellers close more deals, offer tailored financing to every buyer, and get paid upfront. And because Ratio is embedded in the quote-to-cash workflow, it reduces friction across sales and finance—not just in how you sell, but in how you operate. That’s why we’ve grown more than 800% over the past year."

Taxwell, a leading provider of professional tax and accounting software known for exceptional service and innovation, chose Ratio for its enterprise-grade Quote-to-Cash platform. Ratio enables Taxwell to configure fully customized payment terms that align with the needs of its customer base—primarily SMBs—while maintaining full control over billing, renewals, and revenue collection. By integrating Ratio into its sales and finance workflows, Taxwell can manage deals end-to-end with greater speed and accuracy, reduce operational friction, and improve both buyer experience and cash flow.

“We set out to find a partner that could deliver custom payment terms to match the cashflow of our buyers while supporting our complex sales, provisioning, and finance workflows,” said Matt Woodrome, Director of Growth Initiatives at Taxwell. “Ratio stood out as the only B2B BNPL solution able to customize financing terms to how we sell and how our customers prefer to pay. As an added benefit, their quote-to-cash capabilities were more than sufficient for our needs, allowing us to avoid the cost and complexity of implementing a separate CPQ system. We expect Ratio to help us simplify quoting, accelerate deal execution, and better align our sales process with customer expectations.”

Ratio’s new Custom Payment Terms solution includes:

• Fully configurable schedules – Offer monthly, quarterly, deferred, or custom terms.
• Upfront cash flow – Sellers receive full contract value immediately.
• Modular Quote-to-Cash process – Unified quote-to-checkout-to-subscription experience inside CRM and billing workflows, configurable as a complete end-to-end flow or as a modular layer within your existing stack.

As subscription models and flexible pricing continue to reshape how business buyers evaluate and choose vendors, Ratio offers sellers a critical competitive advantage—enhancing buyer experience, accelerating deal closure, and improving financial predictability.

“Today’s B2B buyers expect the same ease and flexibility they get as consumers—and most sellers simply can't deliver that,” said Ashish Srimal, CEO and co-founder of Ratio. “Ratio gives them the tools to close deals faster, eliminate friction, and scale with confidence. Early adopters like DearDoc have already seen sales lift over 30% after implementing our platform. Based on Taxwell’s initial volume and deployment scope, we expect them to achieve similar results as they roll out Ratio across their sales, customer success and finance operations.”

About Ratio

Ratio is the leading quote-to-cash and embedded buy now, pay later (BNPL) platform designed exclusively for B2B subscription-based businesses. By seamlessly combining AI-driven quoting, flexible payment options, risk-adjusted financing, and streamlined billing into a single unified interface, Ratio empowers businesses to close more deals faster, secure upfront cash flow, and drive sustainable growth.

Visit www.ratiotech.com to explore how Ratio’s innovative solutions, including Custom Payment Terms, can transform your business and redefine your sales process.

Fonte: Business Wire