01
Multi-channel collections
Voice, email, or SMS. Ratio picks each customer's preferred channel, follows the cadence you set, and escalates when your contact goes dark.
AI agents for AR
Your AI coworker to automate AR
AI agents that run collections, cash applications, deductions and disputes, end-to-end. Sits on top of your existing systems. Live in days.
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PRODUCT
Finally, AR software that does the work for you.
Ratio learns from every customer interaction and gets smarter over time. It personalises every touchpoint, just like your best AR hire would.
- Multi-channel collections
- Cash, auto-applied
- Recover deductions
- Resolve disputes faster
- Data-led credit terms
- Real-time AR insights
02
Cash, auto-applied
Connects to your bank and auto-matches incoming payments to open invoices, across any source. Zero spreadsheet reconciliation.
03
Recover deductions
When customers short-pay, Ratio validates the claim against your invoice and contract records, captures the reason, and helps recover what's owed before write-off.
04
Resolve disputes faster
Ratio surfaces disputes in Slack with full context, drafts the reply, and follows through until the cash is collected.
05
Data-led credit terms
Combines payment history with pulled credit reports so finance can set smarter terms — and renegotiate when an account trends risky.
06
Real-time AR insights
Live DSO, aging buckets, and cohort recovery rates. Forecast cash collections by week, customer, and product line.
ROI
What you should expect in 60 days
Numbers that collect you more cash, faster and cheaper.
40%
DSO reduction
70%
less time spent on AR work
$65K+
saved per AR hire avoided
Start as a co-pilot for your AR team. Graduate it to autopilot whenever you're ready.
INTEGRATIONS
Works with the systems you already use.
Think of Ratio as a co-worker who has access to your CRM, ERP, payment processor and messaging systems. No rip and replace.
Same day responses on shared slack channel with our founding team.
FAQ
Questions, answered
Everything a finance leader should know before a first call.
