Parafin
White-labeled small-business financing for platforms, with loans from Celtic Bank and cards from Column N.A.
Parafin provides embedded lending to software platforms, marketplaces and payment companies: it runs their white-labeled small-business financing programs, handling underwriting, compliance, servicing and support while the platform earns a share of the fees. Its products are working-capital loans and cash advances under Capital, a business Spend Card and a Pay Over Time credit line.
Parafin’s own pages name Celtic Bank as the lender and Column N.A. as the card issuer. Businesses pay one fixed fee over the term rather than interest. Parafin is based in San Francisco; its API documentation requires an access code. On September 30, 2026, Parafin announced that it had reached an agreement to be acquired by Stripe.
- Website
- parafin.com
- Infrastructure layers
- Embedded lending
- Products (as published)
- Capital (term and flex loans, merchant cash advance)
Spend (Spend Card)
Pay Over Time - Client types
- Software platforms, marketplaces and payment companies serving small businesses; ISOs, PayFacs and SaaS platforms
- Regions served
- United States (US merchants, per its NMI partnership release)
- Publicly announced partner banks
- Celtic Bank (issues Parafin loans)
Column N.A. (issues Parafin cards) - Pricing model (only if published)
- Revenue share: the platform earns a share of the capital fee; businesses pay one fixed fee over the term
- Date checked
- Profile type
- Standard
Questions
What does Parafin do?
Which banks work with Parafin?
How do platforms earn from Parafin?
Is Parafin part of Stripe?
See also
- ChargeAfter, a point-of-sale financing platform
- Lending guides
- All providers
Sources
Source: each provider’s own documentation, product pages, official announcements and filings, and official registers for licences, as linked in each profile. Fields a provider does not publish stay empty. How we build profiles: methodology.