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Gynger

AI-powered payments platform with embedded financing

Overview

Gynger provides an AI-powered payments platform with embedded financing for technology buyers and sellers, helping them manage tech spend more efficiently. Companies apply for credit and, if approved, receive funds by the next business day to pay for technology expenses upfront, then repay on a custom plan; all tech spend is managed in a single dashboard and the financing is unsecured. The platform stands out by offering AI-driven payments with unsecured, embedded financing tailored specifically for technology purchases, plus immediate credit access and centralized procurement. The goal is to help businesses save money, improve cash flow, and simplify tech procurement by integrating payments and financing for technology expenses.

Significant Headcount Growth

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About Gynger

Simplify's Rating
Why Gynger is rated
C
Rated C on Competitive Edge
Rated B on Growth Potential
Rated D+ on Differentiation

Industries

Enterprise SoftwareFintechAI & Machine LearningFinancial Services

Company Size

11-50

Company Stage

Debt Financing

Total Funding

$141.7M

Headquarters

New York City, New York

Founded

2021

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What believers are saying

  • Gynger launched automated collections and recovery tools on May 18, 2026, improving cash conversion.
  • Therapy iQ reported a 95% close rate in January 2026 using Gynger financing.
  • Gynger’s October 2026 compute-provider offering targets urgent AI buyer demand and vendor prepayments.

What critics are saying

  • Community Federal Savings Bank dependence exposes Gynger to partner changes and underwriting constraints.
  • The October 2026 pivot toward GPU financing crowds into fiercely contested AI infrastructure credit.
  • If charge-offs rise, Gynger’s unsecured technology credit model breaks its economics quickly.

What makes Gynger unique

  • Gynger pairs B2B payments with embedded financing for technology purchases, unlike generic bill pay.
  • May 18, 2026 collections workflows and communications hub deepen operational control for vendors.
  • Gynger finances GPU deposits and prepayments, expanding beyond SaaS into AI infrastructure.

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Funding

Total Funding

$141.7M

Above

Industry Average

Funded Over

4 Rounds

Debt funding comparison data is currently unavailable. We're working to provide this information soon!
Debt Funding Comparison Coming Soon

Benefits

  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Unlimited Paid Time Off
  • Hybrid Work Options
  • Company Equity

Growth & Insights and Company News

6 month growth

-3%

1 year growth

3%

2 year growth

7%
Founderland
Jul 2nd, 2026
PayPal Ventures leads $20M Series A into Gynger's embedded B2B financing platform

Gynger, an embedded financing platform for B2B technology purchases, has raised $20 million in Series A funding led by PayPal Ventures, alongside a $100 million debt facility from Community Investment Management. The round brings total funding to $41.7 million, with participation from Gradient Ventures, Velvet Sea Ventures, BAG Ventures and Deciens Capital. Founded in 2021 by Braze co-founder Mark Ghermezian, Gynger provides unsecured credit lines to technology buyers whilst paying vendors immediately. The platform uses AI-driven underwriting to process applications in under 10 minutes. Recent case studies report 95% close rates and 30% faster sales cycles. The New York startup has processed payments for Snowflake, Salesforce, AWS and Cisco. The equity funding will support headcount and product development, whilst the debt facility enables large-scale purchase financing.

WV News
Dec 4th, 2024
GMI Cloud and Gynger Announce Partnership to Provide Flexible Payment Solutions For Businesses

SAN JOSE, Calif., Dec. 4, 2024 /PRNewswire/ - Gynger, the leading flexible payments provider for B2B tech sales, has partnered with GMI Cloud, a leading AI-native GPU cloud provider, to connect AI builders to the latest in neo cloud solutions.

PYMNTS
Jul 8th, 2024
Embedded Lending Puts Smbs At Center Of Financial Services Landscape

The growing importance of seamless, customer-centric financial solutions has transformed today’s digital economy. And innovations like embedded lending have revolutionized the financial services ecosystem by increasingly placing small and medium-sized businesses (SMBs) at the center of this transformative shift. In the new, emerging financial services landscape, SMBs are now wielding unprecedented influence over the development and delivery of financial products — making the digital commerce landscape more deterministic rather than reactive. Instead of choosing to accept certain forms of payment due to a fear of missing out (FOMO) on customer business, or playing catch-up to their larger peers and competitors, SMBs are now finding themselves able to design each step of the commerce experience to deliver the outcome they ultimately desire

IBS Intelligence
Jun 24th, 2024
Gynger secures $20m in Series A and $100m in debt facility from PayPal Ventures

Gynger, the embedded financing platform for technology purchases, has raised $20 million in Series A funding, led by PayPal Ventures, with participation from Gradient Ventures, Velvet Sea Ventures, BAG Ventures and Deciens Capital.

PulseDirect Communication LLC
Jun 21st, 2024
PayPal Ventures leads a $20M investment in Gynger, facilitating 'buy now, pay later' options for tech purchases.

New York - Gynger, a platform specializing in providing capital to companies for technology purchases, has secured $20 million in a Series A funding round led by PayPal Ventures, as exclusively disclosed to TechCrunch.

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