Parafin Review & Pricing (2026)

Parafin

Funding & Payments

Parafin is a financial technology company that builds embedded capital programs for platforms and marketplaces rather than selling directly to merchants. Its products include Capital, offered as Term, a fixed-term loan, and Flex, revenue-based financing, plus Spend and Pay Over Time. Parafin handles underwriting, compliance, servicing, and support, and the interface is white-labeled inside the partner platform.

For Amazon sellers, Parafin is reached through Amazon Lending in Seller Central, where Amazon lists it as a merchant cash advance provider. Offers are invitation based and eligibility is assessed on sales history, so sellers cannot apply directly on the Parafin website. Repayment is a set percentage of gross sales until the advance and its fixed capital fee are repaid. Parafin also powers capital programs on Walmart and TikTok Shop.

Capabilities
Term Loan Product
Term is a fixed-term loan with consistent repayments for businesses that want predictable cash flow.
Flex Revenue-Based Option
Flex adjusts repayment amounts with daily sales.
Amazon Lending Distribution
Amazon's official Amazon Lending page lists Parafin as a merchant cash advance provider in the program.
White-Labeled Interface
The application experience is branded to the host platform rather than to Parafin.
Sales-Based Underwriting
Eligibility is based on sales history with no lengthy paperwork, credit checks, or collateral required.
Fixed Capital Fee
Businesses pay one fixed fee over the term instead of accruing interest.
Funding Timeline
The company states approved businesses can be funded in as little as one business day.
Bank Issuance
The company states that loans and lines of credit are issued by Celtic Bank.
Partner Platform Breadth
Platforms shown on the site include Amazon, Walmart, TikTok, DoorDash, Worldpay, Mindbody, and Gusto.
Strengths
Sellers can review and start an offer inside Seller Central without sourcing a lender separately.
Underwriting uses marketplace sales data, and the company states no credit checks or collateral are required.
The cost is presented as one fixed capital fee, disclosed before the seller accepts.
Amazon's own FAQ states the capital fee does not change after the advance is accepted.
Repayment scales with sales, so lower-sales periods produce smaller payments.
Considerations
Parafin does not sell directly to sellers, so access depends on a partner platform surfacing an offer.
Amazon Lending offers are invitation based and appear in Seller Central only when a seller is eligible.
Amazon lists multiple providers in the program, so a given seller may not be shown Parafin.
Approval is not guaranteed and is subject to checks, as stated in the company's own disclosures.
Capital amounts, fees, and payment rates are set per offer and are not published.
Amazon describes the Parafin product as a merchant cash advance rather than an interest-bearing loan.
The company's site does not state availability for sellers outside the United States.
Pricing
Fee-based; repaid as a share of gross sales
No free trial
Visit website
CategoryFunding & Payments
TypeManaged service
Pricing modelFlat fee
MarketplacesAmazon, Walmart, TikTok Shop
Best forAmazon sellers offered capital inside Seller Central
Alternatives
Onramp Funds
Revenue-based and fixed-fee funding for US ecommerce sellers, with repayment tied to store sales.
Mercury
Business banking platform offering checking, savings, cards, bill pay, and invoicing for ecommerce brands and startups.
Payoneer
Payoneer provides multi-currency receiving accounts that let online sellers collect marketplace payouts and withdraw funds to…

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