Our take on Ratio
In our B2B BNPL & buyer financing group of 7, Ratio fits closing specific deals where the buyer wants monthly or deferred payments. Pricing is shared with approved members only, so we do not publish a rate range for it. Cash typically arrives in about 2 days, slower than the group median of 1 day. The main trade-off in this group: funds deals, not your company. Fee comes out of your payout unless the buyer carries it. If that matters more, compare: Gynger is quicker at about 1 day.
Key facts
| Product | Ratio Boost |
| Funding type | B2B BNPL & buyer financing |
| Estimated rate as of today | Rates shown to approved members |
| Pricing source | Estimated as of today |
| Time to cash | About 2 days |
| Typical size | Up to $5M |
| Term | 1–36 months |
| Requirements | No hard minimums listed |
| Regions | US |
| What they underwrite | Your buyers |
| Collateral | Customer contract |
| How you repay | Buyer repays lender |
| Dilution | None |
The estimated rate for Ratio, as of today, is shown to approved members. Sign in to see it.
Ratio pros and cons
- Lowest Rate award, B2B BNPL & buyer financing (2026)
- Fast: about 2 days to cash
- Non-dilutive: no equity or warrants
- No revenue minimum listed
- US only
Closing specific deals where the buyer wants monthly or deferred payments.
Funds deals, not your company. Fee comes out of your payout unless the buyer carries it.
Ratio alternatives
Other B2B BNPL & buyer financing providers, fastest first. All Ratio alternatives.
| Provider | Estimated as of today | Time to cash | Requirements | |
|---|---|---|---|---|
| Gynger Gynger Pay |
Rates shown to approved members | About 1 day | No hard minimums listed | Compare → |
| Slope Net terms & embedded capital |
Rates shown to approved members | About 1 day | No hard minimums listed | Compare → |
| Mondu Net terms & instalments |
Rates shown to approved members | About 1 day | No hard minimums listed | Compare → |
| Kriya Pay later (Allica Bank) |
Rates shown to approved members | About 1 day | No hard minimums listed | Compare → |
| iwocaPay Pay later for trade |
Rates shown to approved members | About 1 day | No hard minimums listed | Compare → |
| Capchase Capchase Pay (incl. Vartana) |
Rates shown to approved members | About 3 days | No hard minimums listed | Compare → |
Compare Ratio
Ratio FAQ
How much does Ratio cost?
The estimated rate for Ratio, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and Ratio's underwriting.
How fast does Ratio fund?
About 2 days from application to cash, based on typical timelines.
What are Ratio's requirements?
No hard minimums listed. Available in US.
How much can you get from Ratio?
Up to $5M. Terms run 1–36 months.
What are the best alternatives to Ratio?
Other B2B BNPL & buyer financing providers include Gynger (about 1 day); Slope (about 1 day); Mondu (about 1 day). Compare all 7 side by side on B2B Agent.
Is Ratio the best B2B BNPL & buyer financing provider?
Ratio won Lowest Rate among 7 B2B BNPL & buyer financing providers in the 2026 B2B Agent Awards. The best fit still depends on your amount, revenue, and timeline.
Ratio won 1 B2B Agent Award in 2026
Awards are rule-based: a provider wins only if it beats every other provider of its funding type on the published data, and ties award nobody. See how winners are chosen. Work at Ratio? Copy the code below to show your award on your website.
Something out of date? Update this listing and we'll review it within two business days.
Is Ratio your best option?
Price Ratio against all 84 options for your amount, revenue and timeline — then ask for an introduction to the best fits.
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.