Element Finance vs. Ratio Comparison


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About Absolutely no dilution or warrants, ever. Drive your SaaS company's recurring revenue growth with up to $10m in venture finance. A long-term capital partner over the life of your business. Let’s face it, not all debt is created equal. We believe there’s a different way to grow and finance should be straightforward and tailored to the needs of the business. We take a personal, partnership-led approach to learn your business and help you build the right capital stack. Flexible, customized approach to finance structure. We'll customize what you need with no hidden terms and conditions. We are committed to helping SaaS founders build their capital stack while limiting their cost of capital equity. Growth finance simplified. No board seats, personal guarantees, warrants or equity. Financing with a fixed interest rate and payment schedule. Multiple tranches reduce your cost of capital.	About Reimagining technology procurement and funding by combining payments, predictive pricing, financing, and a seamless quote-to-cash process into one platform. Flexible payment options to close faster, embedded into sales. Get funded now leveraging your existing recurring revenues. Get paid now even though customers pay later. Align payments to Ratio with customer payments. Unlock capital for growth from your own assets without dilution or debt. No monthly payments are required for Ratio unlike venture debt and revenue-based financing. Pick and choose which contracts to sell based on your cash flow needs. The Ratio team is made up of experienced SaaS and finance executives, serial entrepreneurs, builders, and dreamers. Equity is a critical piece to building your company and compensating your team. Taking strategic capital from Ratio involves no dilution from selling equity or issuing warrants.
Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Not Supported	Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Not Supported
Audience Companies and businesses in need of a solution to drive their company's recurring revenue growth	Audience Companies seeking a solution to manage their recurring revenue contracts, close more deal, implement payment options, and get funded
Support Phone Support Supported 24/7 Live Support Not Supported Online Supported	Support Phone Support Supported 24/7 Live Support Not Supported Online Supported
API Offers API Not Supported	API Offers API Not Supported
Screenshots and Videos View more images or videos	Screenshots and Videos View more images or videos
Pricing No information available. Free Version Not Supported Free Trial Not Supported	Pricing No information available. Free Version Not Supported Free Trial Not Supported
Reviews/Ratings Overall 0.0 / 5 ease 0.0 / 5 features 0.0 / 5 design 0.0 / 5 support 0.0 / 5 This software hasn't been reviewed yet. Be the first to provide a review: Review this Software	Reviews/Ratings Overall 0.0 / 5 ease 0.0 / 5 features 0.0 / 5 design 0.0 / 5 support 0.0 / 5 This software hasn't been reviewed yet. Be the first to provide a review: Review this Software

Training Documentation Supported Webinars Not Supported Live Online Supported In Person Supported	Training Documentation Supported Webinars Not Supported Live Online Not Supported In Person Not Supported
Company Information Element Finance United States www.elementfinance.com	Company Information Ratio Founded: 2021 United States www.ratiotech.com
Alternatives Ratio	Alternatives Capchase
Lighter Capital	SaaSPay
Float	tranch
Novel Capital	Element Finance
Find Venture Debt View All	Lighter Capital View All
Categories Revenue-Based Financing Supported	Categories Buy Now Pay Later Supported Quote-to-Cash Supported Revenue-Based Financing Supported

Integrations Maxio Supported Assembla Supported Chargebee Not Supported Clear Books Not Supported Earth Class Mail Supported FreeAgent Not Supported FreshBooks Not Supported Karbon Supported KashFlow Not Supported Mural Supported NetSuite Not Supported Plaid Not Supported QuickBooks Desktop Pro Not Supported QuickBooks Online Not Supported Recurly Not Supported Sage 50 Not Supported Sage Accounting Not Supported Stripe Not Supported Xero Not Supported Show More Integrations View All 5 Integrations	Integrations Maxio Supported Assembla Not Supported Chargebee Supported Clear Books Supported Earth Class Mail Not Supported FreeAgent Supported FreshBooks Supported Karbon Not Supported KashFlow Supported Mural Not Supported NetSuite Supported Plaid Supported QuickBooks Desktop Pro Supported QuickBooks Online Supported Recurly Supported Sage 50 Supported Sage Accounting Supported Stripe Supported Xero Supported Show More Integrations View All 15 Integrations
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