Frequently Asked Questions

Gynger helps businesses buying tech save money, preserve cash flow, and simplify their payments by seamlessly financing software and infrastructure expense in one dashboard.

Gynger for Sellers enables technology sellers to offer contract financing to their customers. With Gynger, your customers can access flexible payment terms for their contracts with you.

Gynger’s AP Financing solution empowers you to manage your tech spend more strategically. You can pay, finance, and streamline all of your technology payables in one place. AP Financing allows you to spread your technology expenses out over time and conserve working capital.

Gynger’s AR Financing solution helps businesses manage their receivables more strategically and get access to working capital with fast, flexible financing, freeing up cash from your customer invoices.

Gynger Pay enables technology vendors to extend flexible financing offers to their customers within their existing purchasing flow. It’s as simple as adding the Gynger Pay widget to your checkout experience or invoices. Your customers get access to customized financing offers and you get paid upfront, all within your current purchase flow.

Gynger supports AI development by offering businesses non-dilutive capital with flexible repayments, enabling innovative companies to secure essential resources for computational infrastructure and free up capital for other strategic investments.

Gynger helps businesses buying tech negotiate better deals with their vendors, conserve cash, and simplify their payments by seamlessly financing software in one dashboard.

By offering flexible financing options for your customers, Gynger removes budget constraints as sales objections, shortens deal cycles, and increases average order values. This enables sales teams to close more deals while maintaining your company's immediate revenue recognition.

We translate technology expenses from fixed capital outlays into strategic decisions while unlocking capital trapped in accounts receivable. This unique combination gives finance teams the ability to optimize both sides of their balance sheet, converting tech spending and customer payments into flexible variables that can be strategically managed.

Gynger enables you to use your cash for growth and pay for tech on your terms. With Gynger, you can:

• Smooth out cash flow
• Unlock discounts by paying upfront (and pay Gynger back later)
• Consolidate bills
• Customize how and when you pay for technology
• Access mission critical tech the moment you need it

Gynger enables you to accelerate your cash flow and pull your AR forward. With Gynger, you can:

• Shorten your Days Sales Outstanding (DSO) by instantly converting sales to cash
• Eliminate billing complexity by getting paid upfront
• Shorten the sales cycle and streamline renewals by removing financial friction
• Sell more by offering customer-centric offers that set you apart from the competition

Gynger enables you to use your cash for growth and pay for tech on your terms. With Gynger, you can:

• Customize how and when you pay for technology
• Get reimbursed for past tech expenses to free up working capital
• Finance recurring expenses with a low APR virtual card
• Access mission critical tech the moment you need it

Gynger enables you to unlock cash from your upcoming receivables. With Gynger, you can:

• Get cash advances on invoices from annual contracts to recurring monthly payments
• Access lower fees than factoring
• Choose customized terms for repayment

Gynger Pay enables you to embed flexible financing options into your invoices and online checkout. With Gynger, you can:

• Extend customized, flexible financing offers to your customers
• Get paid the moment the customer accepts the terms
• Reduce friction in the purchasing process
• Streamline your receivables in one Gynger dashboard

Gynger helps businesses spread out big bills, streamline cash flow, and simplify payments by seamlessly financing any AI infrastructure expense in one dashboard. With Gynger, businesses can free up working capital that would otherwise be spent on costly AI infrastructure, for strategic investments in their business.

Gynger enables you to accelerate your in bound cash flow and pull revenue forward. With Gynger, you can:

• Shorten your Days Sales Outstanding (DSO) by instantly converting sales to cash
• Eliminate billing complexity by getting paid upfront
• Shorten the sales cycle and streamline renewals by removing financial friction
• Sell more by offering customer-centric offers that set you apart from the competition

Gynger provides GTM teams selling SaaS and software products with competitive advantages throughout the sales process. With Gynger, you can:

• Convert cost-sensitive prospects into customers by offering flexible payment options
• Protect and improve margins by avoiding discounting to meet budget constraints
• Capture a larger share of wallet through consolidated tech stack financing
• Maintain predictable revenue recognition while giving customers budget flexibility
• Recognize revenue immediately while offering customers extended payment terms

To shorten Days Sales Outstanding (DSO), Gynger’s accounts receivable financing provides immediate working capital by advancing the full invoice amount, effectively reducing DSO instantly. Conversely, if businesses wish to underwrite their customer instead, Gynger Pay can be used to extend AP Financing and flexible payment terms to your customers so that you can get paid upfront and your customers pay Gynger back on terms they choose.

• Compared to traditional lending, Gynger is purpose-built for early stage companies to access capital quickly.
• Compared to venture capital, Gynger’s flexible payment solutions are non-dilutive.
• Compared to other alternative financing solutions, Gynger offers more flexible terms, reimburses past bills, issues a genre-defying virtual card for strategic spend management, and hosts a consolidated platform for managing all tech spend.

Embedded finance is the seamless integration of financial services directly into non-financial business platforms. This means your company can offer Gynger financing options to your customers within your existing purchasing experience without building financial infrastructure or securing regulatory approvals yourself.

When you sign up for Gynger and connect your accounting platform, Gynger recommends past tech expenses eligible for reimbursement. From the list, you choose the expenses you want to reimburse. From there, you select the payment terms, where you want the reimbursement payment to go, and then sign the loan. It’s that simple.

Accounts receivable financing is a financial solution that converts unpaid customer invoices into immediate working capital. This arrangement allows businesses to improve cash flow without waiting for payment terms to complete. Gynger offers accounts receivable financing with features such as cash advances on invoices, lower fees than traditional factoring, and flexible repayment options customized to your business needs.

Embedded payments integrate payment processing directly into the customer journey, allowing transactions to occur seamlessly without redirecting users elsewhere. This technology eliminates lengthy invoice processes by enabling one-click purchases. Gynger leverages this concept by embedding financing options into tech purchasing workflows, allowing your customers to access payment plans or financing directly within your platform through no-code integrations.

• To finance GPU expenses, make an account with Gynger and apply for approval in minutes. Gynger pays the amount of your invoice to your vendor, and then you pay Gynger back over time on terms you choose.
• You can also get reimbursed for past AI and GPU spend. Gynger Reimbursement allows you to retroactively smooth out recent large expenses and put working capital back in your pocket.
• With Gynger, you have the flexibility to choose terms that fit best for your business: net 30, 60, and 90; 3, 6, 9, and 12 month payments.

• With Gynger, SaaS or software companies have the flexibility to offer terms that fit best for their business and their customers. Flexible financing options include: net 30, 60, and 90; 3, 6, 9, and 12-month payments.
• SaaS and software buyers can also streamline their purchases through Gynger’s AP financing with the same net 30, 60, and 90; 3, 6, 9, and 12-month payments.

Gynger helps close deals by removing financial barriers that derail purchases. With flexible payment options, your sales team can overcome budget objections, accelerate decision-making, and increase deal sizes. By aligning payment terms with customer cash flow preferences, you can win competitive situations and convert prospects faster.

To reduce your company's cash burn rate, Gynger’s platform allows you to finance your tech investments and spread payments over time instead of making large upfront purchases that deplete cash reserves.

Flexible finance is an alternative financing approach that allows businesses to spread purchase costs while customizing payment terms to suit their specific needs. Unlike traditional lending options with rigid structures, flexible finance enables adjustments to repayment periods, frequency, and amounts. The key advantage is adaptability, helping businesses align financing with their unique financial situations and growth trajectories.

Embedded finance works by allowing you to offer financing directly in your purchasing experience. We make it easy at Gynger. With the Gynger API and the simple ‘Pay with Gynger’ checkout widget, you can surface Gynger financing options to your customers with minimal effort and maximum benefit.

Non-dilutive funding is capital your business can access without sacrificing equity or ownership. Unlike venture capital, Gynger's alternative financing solutions let you fund technology purchases and manage tech expenses while maintaining full control of your company. This approach preserves your ownership stake while providing the working capital needed for critical technology investments and growth.

Accounts receivable financing converts unpaid invoices into immediate capital. The process typically involves applying for financing, getting approved (with Gynger, this happens in as little as 24 hours), selecting which invoices to finance, and choosing repayment terms. Once you sign the agreement, you receive the full invoice amount upfront. Unlike traditional factoring, you maintain customer relationships while repaying Gynger according to your selected terms.

Gynger streamlines your accounts receivable process by centralizing accounts receivable management into one intuitive platform. With no-code integrations to your existing CRM, accounting, and banking systems, our flexible financing options convert unpaid invoices into immediate working capital, accelerating your cash flow cycle.

With Gynger you can finance expenses from any AI infrastructure vendor. Some GPU providers that Gynger has financed include GMI Cloud, Soluna, Lambda, and HPE.

Once you have chosen payment terms and the agreement is signed, the full invoice or contract amount is paid to your vendor upfront. Payments are then made to Gynger based on the terms you select.

Gynger simplifies pricing and payment term negotiations that typically cause delays. By offering flexible payment options early in your sales conversations, your customers can see exactly what they can afford and how they'll pay, while you maintain your pricing. This moves deals to close faster.

Gynger transforms cash flow management by providing dual-sided financial solutions—enabling you to finance tech purchases while also unlocking capital from unpaid invoices. Our platform creates a cash flow ecosystem that balances outgoing tech investments with incoming revenue acceleration.

To finance software purchases, you make an account with Gynger and use it to pay your software invoices. The invoice is paid upfront by Gynger to your vendor, and then you pay Gynger back over time. With Gynger, you have the flexibility to choose terms that fit best for your business: net 30, 60, and 90; 3, 6, 9, and 12 month payments.

Gynger streamlines your accounts receivable with an intuitive platform that automates tasks, provides real-time reporting, and offers actionable recommendations. The no-code integrations connect seamlessly with your existing CRM, accounting, and banking systems. After quick approval, Gynger advances the full invoice to you. As a new offering, Gynger now gives vendors the option to have Gynger collect from their customers on their behalf, all without disrupting or compromising customer relationships.

You can finance many technology expenses or technology purchase with Gynger including on software and the mission-critical cloud infrastructure that your business needs to grow. AI-related tools you can finance include MLOps, DevOps, networking infrastructure, compute resources, and more.

Gynger helps reduce churn and soften choke points like contract negotiations by instead offering customers a one-click purchasing experience and flexible payment terms that lowers their financial barrier to purchase. By embedding financing options into tech purchasing workflows, your customers can access payment plans and their renewal invoices directly through personalized offers.

• Gynger will pre-qualify your customers for financing so that you can determine their true purchasing power and create more accurate forecasts.
• With Gynger, your team can pursue larger opportunities and re-engage stalled deals by offering flexible payment terms that align with your customers' financial needs.

Gynger has a direct impact in helping you slow down your cash burn rate, decrease your days sales outstanding (DSO), and improve your working capital ratios and technology expense-to-revenue ratios. Additional metrics we impact include increased profit margins and retention rates, increased sales efficiency, and improved operating cash flow.

A virtual card is a digital payment solution linked to your Gynger account. Unlike traditional plastic, physical cards, virtual cards exist entirely online, with a unique virtual card number generated for your transaction. They offer the convenience of electronic payments with added layers of security and control. You can use your card to pay for tech expenses and spin up new cards by team or by project to manage spend.

Salesforce is a SaaS tool commonly financed by Gynger customers. Gynger financing can help break large contracts into more manageable monthly repayments.

It only takes a few minutes to sign up, and approval can happen as soon as 24 hours. Once approved, we’ll pay your vendor as soon as the next business day.

While the amount varies by business, we have a deep understanding of tech purchases and ensure you have what you need to access your mission-critical tech.