Ratio, a San Francisco, CA–based AI fintech platform for B2B scale-ups, has raised $15.8 million in venture financing and secured $100 million in lending capacity.
Coinciding with the funding, Ratio introduced its AI Proposal Agent, currently in beta. The product generates quotes and payment terms directly within the sales workflow, using proprietary data and models.
Investors
The investors participating in this round were not disclosed.
Ratio Use of Funds
The company will use the funding to expand its AI-powered platform, enhance product development, including its AI Proposal Agent—and scale its financial infrastructure to support B2B companies with flexible payment solutions.
About Ratio
Led by CEO Ashish Srima, Ratio is a fintech company that provides an AI-powered platform designed for B2B technology scale-ups with recurring revenue models. Headquartered in San Francisco, Ratio helps B2B technology scale-ups turn signed deals into cash upfront. Ratio connects proposals, flexible payment terms, and collections in a single workflow by reducing handoffs, improving cash timing, and helping sellers stop choosing between discounting and messy cash flow.
Funding Details
Company: Ratio Technologies, Inc.
Raised: $15.8M
Round: Unknown
Funding Date: April 2026
Investors: Undisclosed
Company Website: https://www.ratiotech.com/
Software Category: FinTech / AI / B2B Payments Platform
Source: Ratio