Gynger runs the financing. Ratio runs the close.
Gynger operates a credit program behind your brand once an offer is out. Ratio runs the full closing motion: risk-based pricing, terms built for each buyer, a recourse dial you set, one email flow from terms to payment, and visibility on every step.
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Where Ratio goes further than Gynger.
Risk-based pricing, terms built for the buyer, a recourse dial you set, one flow from terms to payment, visibility on every step, and renewals on one contract.
Risk-based pricing you see before terms go out
Ratio
Each buyer is priced on their own credit profile. Lower-risk buyers get a lower rate; higher-risk buyers are approved at a rate that reflects their risk instead of being declined. Your rep sees the exact rate before the proposal goes out and decides whether you, the buyer, or a split absorbs it.
Gynger
Gynger's fee is a vendor discount set when the program is set up: the same across your buyers, and not published. A rate buy-down lever added in March 2026 lets the vendor subsidize the cost, but it still moves one number for the whole program, not a price per buyer. ¹˒²
A flat fee charges your best buyers the same as everyone else and gives your riskiest buyers nothing at all.
Match the buyer's budget, not a menu
Ratio
Build the schedule around how the buyer budgets and how you want to collect: a down payment and a gap before installments, quarterly, seasonal pauses for the golf-course vendor that closes over winter, milestone or usage-based, up to 60 months. Your rep builds it in the proposal and the buyer signs it in the same document. Because it's configurable, you can test a new structure on a segment, see what closes, and roll it out without waiting for anyone to add it to a menu.
Gynger
A fixed menu: net 30, 60 or 90, then 3, 6, 9 or 12 monthly installments. Twelve months is the ceiling. Subscriptions were added in February 2026; still a menu. ¹˒³
Every buyer has a budget rhythm. The financer that matches it inside the offer closes the deal.
Recourse is a dial, not a default
Ratio
You choose a recourse model when you partner with us, from full recourse to partial recourse in select cases. The more risk you keep, the more buyers get approved and the lower the rate.
Gynger
Gynger's program runs on your capital and your return. You hold the risk on every financed deal, and Gynger underwrites so that risk is measured. There is no dial to turn and no trade-off to choose. ¹˒⁴
Approval rates should be a business decision you make, not a policy you inherit.
One email, one flow, from terms to payment
Ratio
One email. The buyer reviews terms, signs, picks a plan and pays in a single session. Most buyers are approved in real time with just a company name and address; EIN optional.
Gynger
The rep creates an offer in Gynger and sends a link alongside the proposal. The buyer applies there, with Gynger as the counterparty, and the approval comes back next day. Between "sent" and "approved," the rep is out of the loop. ¹˒⁴
Every extra link in a closing motion is a place for a deal to stall.
See the whole journey, not just the financing step
Ratio
Your reps see every stage, from proposal opened through payment. A buyer stalled on a step triggers an alert and an automated follow-up, so the rep can act while the deal is still warm.
Gynger
Gynger shows offer status inside Gynger: viewed, applied, approved, paid. The proposal, the signature and every step before the offer live in other tools. ⁵
You can't rescue a deal you can't see.
What Changes on Ratio
+30%
Higher close rates when payment-term friction comes out of the deal.
+25%
ACV growth when discounting for annual prepay stops.
87%
Of deals priced and approved automatically in under one second.
Capital on both sides of the close.
Gynger's program runs on your capital. Ratio brings its own: Ratio has funded $500M so far. On new deals, Boost pays you upfront while your buyer pays over time. On the ARR you've already built, Trade gives you a lump sum on one company-level underwrite.
Boost: new deals
Upfront cash on every new deal, anchored to 12 to 24 months of contract value, while your buyer pays over time on terms up to 60 months.
Trade: existing book
A lump sum against your ARR on one company-level underwrite, repaid in fixed monthly payments.
FAQS
Straight answers for teams comparing Gynger and Ratio.
Why Ratio Outperforms Gynger
Infrastructure vs platform. Gynger is embedded-financing infrastructure: it runs a credit program behind your brand once an offer is out. Ratio is a Closing Motion platform. It runs the front half of the motion too, from proposal and terms to approval and e-sign, and it brings the capital with it.
Pricing. Ratio prices each buyer on their own credit profile, and your rep sees the rate before the proposal goes out. Gynger's fee is set once for the program. A single rate has two costs: it overcharges the buyers who deserve less, and it leaves your riskiest buyers with no offer at all.
Terms. Ratio lets you match each buyer's budget rhythm and experiment with new structures, up to 60 months: down payments, gaps, seasonal pauses, milestones, usage-based. Gynger offers a menu that stops at 12 months. If you want 12 to 24 months of contract value upfront, the schedule has to stretch to fit the buyer.
Recourse and capital. On Ratio, recourse is a dial you set at partnership: keep more risk and more buyers are approved at a lower rate. Gynger's program runs on your capital and your return, so you hold the risk by design. And Ratio brings the capital: Ratio has funded $500M so far.
Flow and visibility. On Ratio, the buyer opens one email, reviews terms, signs, picks a plan and pays in one session, and most buyers are approved in real time with just a company name and address. Every stage is visible, with alerts on stalled buyers. On Gynger, the buyer follows an offer link, applies, waits for a next-day decision, and the seller sees offer status.
Reach and fit. Ratio is live in 12 countries, connects to 19+ systems, and keeps renewals on one contract. Gynger serves US entities only. It has built a real niche in AI and GPU infrastructure and in reseller and distributor sales, and for that motion it's worth a look.
The bottom line. If you want a financing program operated behind your brand, Gynger will run one. If you want to close more deals and get paid upfront on them, you need a Closing Motion platform. That's Ratio.
