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Increase merchant retention with embedded capital

Platforms like Mindbody, Jobber & DoorDash fuel merchant (and platform) growth by extending growth capital via Parafin. …

Integrate financial options without requiring underwriting or long dev timelines

A Worldpay study showed 90% of businesses prioritize access to robust financial products and 1 in 5 would switch platfor…

Across 2 million merchants on our platform, the standard deviation of weekly sales was 0.45x the average. Week-to-week…

What is B2B buy now pay later (BNPL) and why platforms need it now

Somewhere right now, a small business is closing your checkout tab because they can't afford the order. They won't tel…

Why Small Business Lending Is an Early Indicator of Economic Momentum

SMB loan demand is up. But demand doesn’t equal access. Most financial institutions still can’t serve the full spectrum…

Parafin Expands Warehouse Credit Facility With Silicon Valley Bank, EverBank, and Trinity Capital

We're expanding our warehouse credit facility with Silicon Valley Bank, EverBank, and Trinity Capital. This gives us mor…

Embedded financing helps platforms meet changing user expectations

Financial products are becoming part of the platform experience, not a separate relationship your customers manage elsew…

2026 Report on Employer Firms: Findings from the 2025 Small Business Credit Survey

The Fed’s recent Small Business Credit Survey shows a clear shift. What stood out: • Revenue expectations index fell 6 …

SpotOn Expands Financial Services Offerings for Restaurants With Launch of Rapid Fund

"SpotOn Capital, in partnership with Parafin, cut our monthly loan payments by nearly 50%, enabling us to balance growin…

20% churn because of missing resources

60% of businesses access some form of working capital solution and 1 in 5 say they would leave their current platform fo…

A landscaper’s truck breaks down days before peak season. No truck = no jobs. Thanks to Xplor Capital, a pre-approved …

Embedded finance takes platforms from useful to indispensable

Give your users access to capital at the moment they need it most — inside the platform they already use to run their bu…

The rise of embedded financial infrastructure

For decades, small business lending decisions were made using proxies like credit scores, financial statements, and stat…

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There aren't as many roadblocks to embedding finance as you might think

Why did Mindbody select Parafin as partner for the next phase of how their platform served merchant needs? Because Para…

Research: 20% churn for a platform with embedded financial resources

Research shows that when SMBs can't access capital, platforms absorb the risk. 60% of businesses access some form of wo…

A typical bank loan takes 45 days. If approved, Mindbody Capital takes 1–2 business days. That's the difference embedde…

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Every small business has its own calendar. A landscaper books most of the year in summer. A tax preparer compresses int…

Deepen merchant service & add revenue with each use

Your platform already sits at the center of your customers’ businesses. Parafin's white-label financing helps you turn t…

Capture the value you already create with a new revenue source

Small businesses need access to capital to keep growing. Embedded financing helps platforms bring that moment into the p…

Go from idea (embedded finance) to execution in no time

Stay focused on what you do best while expanding platform capabilities. Embedding platform-growing tools like embedded …

Answer the next phase of merchant service with embedded financial tools

Competing platforms may not need a better core product to win your merchants. Better financial capabilities may be enoug…

Why SMB cash flow volatility is a platform problem

A revenue dip isn’t always a demand problem. Sometimes it’s timing. A small business can have work lined up and still …