← Embedded Finance Index 2026/Vendor

Parafin

Provider
LendingSpend / APBaaS

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 13 companies across 3 categories.

parafin.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗
CategoriesLending, Spend / AP, BaaS
Rank#12 of 223 in Lending
Buyers13 companies
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Who uses Parafin
13 companies disclose Parafin in their stack
PayrixLightspeedNMIDoorDashPayroll BridgeJobberLavuTikTok Creator Card360 Payment SolutionsTikTok360 PaymentsHostaway+1 more
Buyer mix · 13 of 13 classified
Infrastructure / Payments · 2Vertical SaaS / Restaurants · 2Horizontal SaaS / HR & Payroll · 1Marketplace / Food delivery · 1Marketplace / Social commerce · 1Marketplace / Social Commerce · 1Marketplace / Two-sided · 1Vertical SaaS / Automotive · 1
US · 10Canada · 3
What the disclosures say
Payrix
“resource.payrix.com/docs/implement-embedded-finance explicitly states: 'Merchant Working Capital, powered by Parafin through the EFE platform, grants merchants access to capital for funding their business.”
Lightspeed
“Stripe Capital or Parafin likely underpins this given the Stripe relationship; direct vendor not confirmed beyond Stripe connection.”
NMI
“NMI Business Capital product page (nmi.com/merchant-central/business-capital/); NMI press release (nmi.com/about-us/news/nmi-launches-business-capital/); BusinessWire Parafin-NMI partnership announcement (Dec 2025); Parafin customer listing at parafin.com.”
DoorDash
“DoorDash Capital merchant page (merchants.doordash.com/en-us/products/capital) and DoorDash Capital FAQ (help.doordash.com) both explicitly name Parafin as the provider; payments are percentage-of-sales based.”
Payroll Bridge
“Gusto product page: 'Payroll Bridge powered by Parafin...gain peace of mind.' Parafin blog: 'All lines of credit are issued by Celtic Bank.' BusinessWire: 'Parafin and Gusto Partner to Launch a Payroll Line of Credit.'”
Jobber
“Jobber Help Center: 'Jobber Capital partners with Parafin and Stripe to assess eligibility for loan offers.' Parafin Dec 2025 blog confirms expanded partnership to Canada.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Parafin? Claim this profile above to unlock your own full list.
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Alternatives to Parafin

Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Affirm54 buyers →YouLend35 buyers →Mambu34 buyers →Klarna33 buyers →Stripe Capital28 buyers →Wisetack27 buyers →Liberis18 buyers →finmid16 buyers →
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Ranked #12 of 223 in Lending — Embedded Finance Index 2026
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