Capital

Offer fast and flexible financing for small businesses on your platform

Parafin offers a loan product and a cash advance product. Both options give your merchants access to the capital they need to grow and run their business, which in turn grows your platform.

Capital products

Capital offerings from $500 to $1,000,000+

Fixed capital fee, no interest. No late fees, no hidden fees

Automatic payments based on a fixed percentage of sales

Merchants can pre-qualify based on business performance rather than credit scores

How it works

Share data to create offers
Upon receiving merchant information, Parafin will assess candidates, create offers, and collaborate with you to present offers to eligible businesses.

Better underwriting
Parafin employs cutting-edge, AI-powered underwriting focused on business performance rather than credit scores, broadening access to capital. This is crucial for minority-owned businesses, which have historically faced challenges in obtaining financing.

Parafin handles the day-to-day
After a merchant accepts their offer, Parafin handles everything from customer support to servicing and everything in between. Platforms maintain oversight into the capital program through a dedicated dashboard.

Strengthen your connection with merchants
Unlike traditional banks or lenders, Parafin integrates seamlessly with your platform and adopts your branding. That means merchants are deepening their relationship with you, not a third party.

Deep dive on the tech
Check out our developer docs for more information on how embedding the program and data sharing work.

The tech

Data share
Little to no engineering required to set up your financing program using Amazon S3, our API, or a manual upload

Widget
Our SDKs allow you to quickly and easily embed our product into your app

Marketing
Streamline marketing with Parafin’s marketing toolkit and easily integrate with your existing marketing tools, including Hubspot, Marketo, and Salesforce

Monitoring
Aggregate and granular views of your sellers' financing on the dashboard keeps you in control of your financing program

How Parafin’s capital products help your platform

Easy to use

Get started with no coding required. Once you’re up and running, we take care of the underwriting, funding capital, servicing, compliance, and customer support.

Earn revenue

Your platform takes a share of every dollar of capital extended to your merchants, unlocking a new revenue stream. Grow your top line by helping your merchants grow.