Ashish Srimal is a columnist at Grit Daily. Based in San Mateo, he is the founder and CEO of Ratio, a new kind of fintech platform that combines payments, predictive pricing, financing, and a frictionless quote- to-close process into one platform for SaaS and technology companies. Before Ratio, Srimal held executive positions at SAP and Medallia. He was also previously the founder and CEO of SmarterMe, the world’s first intelligent mobile assistant for sales, and has advised numerous SaaS, venture, and private equity firms.