US-based RatioTech addresses a critical inefficiency in B2B subscription sales: the misalignment between payment preferences of buyers and financial goals of vendors. By leveraging real-time data and AI to offer risk-based payment terms, the platform allows companies to accelerate revenue recognition while offering buyers the flexibility they need. Since launch, RatioTech has partnered with leading SaaS vendors and secured major credit facilities to fund its growth. Backed by experienced US investors and founded by a seasoned team, RatioTech is building the financial infrastructure layer for modern B2B commerce.