Ratio, a new kind of fintech platform that combines payments, predictive pricing, financing, and a frictionless quote to cash process into one platform for SaaS and technology companies, today emerged from stealth and announced raising $11M in venture funding and a $400M credit facility for customer financing. Led by a team of industry veterans, Ratio is rewriting the rulebook for SaaS pricing and financing, driving value for vendors by delivering a new set of tools to accelerate growth in the turbulent market.

Ratio's investors include Streamlined Ventures, Cervin Ventures, 8-Bit Capital, HoneyStone Ventures, multi-billion-dollar asset managers and a range of tech CEOs from both large and small companies.

Led by a team of serial technology entrepreneurs and SaaS and finance veterans, Ratio is a new type of buy now, pay later (BNPL) provider and financing platform for recurring revenue businesses across three continents. Founded in 2021, Ratio brings a new flavor of BNPL services that combines payments, predictive pricing, analytics and finance, allowing B2B SaaS firms and other recurring revenue businesses to boost sales while gaining immediate access to the value of new contracts.