Key facts
| Product | Embedded capital via platforms |
| Funding type | Embedded & processor capital |
| Estimated rate as of today | Rates shown to approved members |
| Pricing source | Estimated as of today |
| Time to cash | About 2 days |
| Typical size | Up to about 15% of ARR |
| Term | 6–12 months |
| Requirements | Existing revenue · Revenue collected through their platform |
| Regions | US |
| What they underwrite | Your platform sales |
| Collateral | Future platform sales |
| How you repay | % of sales |
| Dilution | None |
The estimated rate for Parafin, as of today, is shown to approved members. Sign in to see it.
Parafin pros and cons
- Fast: about 2 days to cash
- Non-dilutive: no equity or warrants
- No revenue minimum listed
- Pricing isn't public
- Only available if you collect revenue through their platform
- US only
Businesses already collecting revenue through Stripe, Shopify, PayPal, etc.
Only offered through the platform; repayment is a % of every sale.
Parafin alternatives
Other embedded & processor capital providers, fastest first.
| Provider | Estimated as of today | Time to cash | Requirements | |
|---|---|---|---|---|
| PayPal Working Capital |
Rates shown to approved members | About 1 day | Existing revenue · Revenue collected through their platform | Compare → |
| Stripe Capital Merchant financing |
Rates shown to approved members | About 2 days | Existing revenue · Revenue collected through their platform | Compare → |
| Shopify Capital Merchant cash advance & loans |
Rates shown to approved members | About 2 days | Existing revenue · Revenue collected through their platform | Compare → |
| Square Loans Merchant loans |
Rates shown to approved members | About 2 days | Existing revenue · Revenue collected through their platform | Compare → |
| Pipe Capital via embedded partners |
Rates shown to approved members | About 3 days | Existing revenue · Revenue collected through their platform | Compare → |
| Wayflyer Revenue-based financing (ecommerce) |
Rates shown to approved members | About 3 days | Existing revenue | Compare → |
Compare Parafin
Parafin FAQ
How much does Parafin cost?
The estimated rate for Parafin, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and Parafin's underwriting.
How fast does Parafin fund?
About 2 days from application to cash, based on typical timelines.
What are Parafin's requirements?
Existing revenue, revenue collected through their platform. Available in US.
How much can you get from Parafin?
Up to about 15% of ARR. Terms run 6–12 months.
Does Parafin require a personal guarantee?
A personal guarantee isn't listed as a requirement for Parafin.
What are the best alternatives to Parafin?
Other embedded & processor capital providers include PayPal (about 1 day); Stripe Capital (about 2 days); Shopify Capital (about 2 days). Compare all 7 side by side on B2B Agent.
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Is Parafin your best option?
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Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.