5 Use Cases for Leveraging Alternative Financing in 2025

Tamar Katz

‍82% of growth businesses plan to increase their software budget in 2025, with much of this spending focused on IT security and artificial intelligence (AI). Whether you are a growth startup building your tech stack from the ground up or an established company aiming to drive innovation, navigating this evolving tech landscape requires careful financial planning.

Enter alternative financing—a flexible, accessible funding solution designed to keep your cash flow steady and your burn rate manageable while enabling investment in mission-critical technologies. This blog explores how alternative financing can empower businesses to make strategic tech purchases and showcases five specific use cases where it can make a difference in 2025.

What Is Alternative Financing for Tech Purchases?

Alternative financing with Gynger provides businesses with access to funds specifically for tech investments. Unlike traditional bank loans, alternative financing solutions offer flexibility in repayment terms, often with faster approvals and less rigid pre-qualification requirements.

Key Features of Alternative Financing:

Flexibility: Customize payment schedules, from net terms to monthly installments
Single Platform Management: Streamline financing for multiple tech purchases on one platform
Virtual Card Access: Use financed funds to pay invoices or make purchases directly via a virtual payment card
Non-Dilutive Capital: Access funding without giving up equity or ownership

How It Works:

Sign Up – Register and complete a pre-qualification process (as quick as in 24 hours)
Access Capital – Once approved, gain immediate access to non-dilutive funds
Make Purchases – Use these funds to pay for software, IT tools, and more via invoices or a virtual card
Repayment – Pay back the borrowed amount on a schedule tailored to align with your financial strategy

With that in mind, here are five ways alternative financing can be leveraged in 2025.

Five Use Cases for Alternative Financing in 2025

1. Bring On an AI Agent to Support Your Team

More organizations are making AI investments, with the number of buyers identifying generative AI (GenAI) as a critical business priority up 70% year-over-year. However, gaining robust access to AI technologies often requires significant financial resources. And with the continual release of new AI-driven tools (the number of AI software listings on Gartner Digital Markets nearly doubled in 2023), choosing the right tool for the task becomes more challenging.

First, test out a few different tools to determine which tech aligns best with your needs. Next, look over the pricing structure and figure out how it fits with your yearly budget.

You can use alternative financing to purchase robust access to the models themselves like ChatGPT or Claude, or focus on adding AI tools specialized for specific outcomes like Copy AI for GTM or Jasper for content. Leveraging AI isn’t just about staying competitive. It has the potential to deliver a massive return on investment (ROI) for businesses of all sizes.

49% of US generative AI decision makers said their organization expects ROI on AI investments within one to three years.

2. Test Cutting-Edge Technologies to Innovate Faster

Choosing the right technology can be a tipping point. While one tool might help you achieve your business goals quickly, another might help you do it even faster. Alternative financing allows you to explore multiple platforms without overextending cash reserves.

2025 will bring even more cutting-edge tools to the table, and the businesses who choose the right tools and activate them quickly will be one step (or maybe many more steps) ahead. The secret will be in testing and iterating.

You can use alternative financing to support an innovative procurement strategy by testing out different tools at the same time or one after another in short succession. Once you’ve decided on the winning solution, you can then leverage financing again to put together a deal with favorable pricing and packaging.

3. Upgrade to Enhanced Product Offerings

2025 is shaping up to be the year of software enhancements, where businesses move away from freemium models or basic subscriptions and invest in advanced features. Upgrading to robust product tiers—like going from “Starter” to “Enterprise” CRM solutions—can give your team the resources to scale and grow. Upgrading your existing package might also mean adopting more features or products that benefit other parts of your business for a more holistic, platform-based solution.

Higher-value plans come with higher price tags. Upfront payment commitments can open up options for better pricing, but dedicating a large portion of cash in one go can be challenging. Alternative financing with Gynger bridges this gap, paying your vendors upfront while you pay Gynger back on your chosen schedule.

4. Add More Seats to Scale Your Tech Usage

Adding headcount is an exciting milestone, signaling growth and progress, but it’s also a catalyst for increased tech expenditures. 83% of software buyers globally say they expect their organization to grow over the next 18 months. More employees mean more licenses, subscriptions, and seats for everyday tools spanning admin tools, CRM database access, internal collaboration, and content management systems.

Alternative financing allows companies to expand their subscriptions when it matters most. The beginning of the year is a good time to review your employee growth goals and the costs associated with your tech tools. Each month you can add new users to your tech tools as needed and use your Gynger virtual card to pay for the subscription. Instead of a sudden spike in expenditures from a hiring surge, payment can be smoothed out over time.

5. Switch to Your Dream Tech Vendor

Have you been eyeing high-end platforms like Salesforce or Altassian, only to be deterred by upfront costs or restrictive payment plans? Alternative financing makes switching to your ideal vendor achievable with access to funds upfront without deteriorating cash flow. The large annual commitment can be split into monthly or net repayments.

Through financing, you can invest in premium solutions without sacrificing key features of the product offering to save on costs. Unlock new levels of performance by adopting tools and key features that elevate your operations, improve efficiency, and give your teams the resources they need.

How Alternative Financing Can Empower Your 2025 Growth Strategy

Alternative financing isn’t just a tool—it’s a strategic advantage for businesses looking to differentiate and grow their market share in 2025. By offering flexibility, accessibility, and non-dilutive funding, organizations leveraging alternative financing can capitalize on top-tier tools without disrupting cash flow.

Get Started With Gynger Today

Make 2025 the year where you get the best tools for your team. Whether you need to scale your tech stack, elevate your SaaS integrations, or unlock AI-driven innovation, use alternative financing to drive your tech purchasing strategy and drive growth.