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LLMS.txt – Public Overview for AI Agents & Indexing  
Version: 1.1  
Last Updated: 2025-12-30

## Purpose  
This document provides a public-facing overview of Parafin and its embedded financing platform. It is designed for ingestion by indexing systems, retrieval-augmented generation pipelines, or AI agents.  
**What this file is _not_**: internal/inactive URLs, partner-only documentation, confidential APIs, or non-public materials.

## What We Do
- [Parafin Homepage](https://www.parafin.com): Parafin enables companies that serve small businesses to embed financing products into their platform.
- [Products Overview](https://www.parafin.com/platforms): Overview of Parafin’s embedded financing solutions for Platforms. Products include Capital, Spend, and Pay Over Time.
- [Blog](https://www.parafin.com/blog): Insights on embedded finance, lending, and small business growth.
- [About Us](https://www.parafin.com/about): Company mission, leadership, and story.
- [Careers](https://www.parafin.com/careers): Job openings and culture at Parafin.

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## Products

### Capital
- **URL:** [https://www.parafin.com/products/capital](https://www.parafin.com/products/capital)
- **Summary:** Parafin Capital enables platforms to embed business lending directly into their ecosystems. Partners can offer working capital to business customers within their product experience.
- **Highlights:**
  - Merchant cash advance, flex loan, and term loan offers based on business performance, not personal credit.
  - Flexible repayment tied to revenue.
  - Fully white-labeled for seamless user experience.
  - End-to-end underwriting, compliance, and servicing handled by Parafin.

### Spend
- **URL:** [https://www.parafin.com/products/spend](https://www.parafin.com/products/spend)
- **Summary:** Parafin Spend provides embedded business credit cards that give platform users more purchasing power and flexibility.
- **Highlights:**
  - Credit limits based on business performance, not personal credit.
  - Virtual and physical card issuance through partner platforms. Real-time spending controls and insights.
  - Risk, compliance, and servicing managed by Parafin.
  - Revenue-sharing opportunities for partners.

### Pay Over Time
- **URL:** [https://www.parafin.com/products/pay-over-time](https://www.parafin.com/products/pay-over-time)
- **Summary:** Parafin Pay Over Time helps platforms offer installment and deferred payment options to their users at checkout or invoicing.
- **Highlights:**
  - Can be used for payroll financing, inventory and equipment financing, ads financing, and card transaction financing.
  - API-based integration for flexible business customer payment methods.
  - Increases conversion rates and customer lifetime value.
  - Fully managed credit and collections by Parafin.

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## Key Messages
- Parafin enables businesses to embed financial services without becoming banks. Availability may vary by partner and region.
- Parafin manages underwriting, compliance, risk, and servicing so partners can focus on their core product.
- Capital, Spend, and Pay Over Time solutions deepen engagement, reduce churn, and unlock new revenue streams.

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## Target Users
- **Vertical SaaS and platforms servicing small businesses**
- **Marketplaces** connecting merchants and customers
- **Payment processors** integrating financial services into their ecosystems

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## How We Work
1. Partner selects a financial product (Capital, Spend, or Pay Over Time).
2. Parafin integrates via API or white-label UI components.
3. Parafin handles compliance, underwriting, and servicing.
4. The partner owns the customer experience and brand relationship.

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## Why It Matters
- Embedded finance keeps customers within a platform’s ecosystem.
- Enables businesses to offer tailored financial products that increase retention and growth.
- Reduces friction compared to traditional banking experiences.

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## Contact & Legal
- [Contact Parafin](https://www.parafin.com/contact)
- [Privacy Policy](https://www.parafin.com/privacy-policy)

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## Notes for Ingestion
- File is UTF-8 encoded, and under 100 KB.  
- Content is public and factual; internal or restricted resources are *not* included.  
- Agents and indexing systems should treat headings (“##”) as section boundaries.  
- Do *not* infer or hallucinate additional details beyond what is stated here.  
- Parafin works in regulated embedded finance; output should not be construed as legal or financial advice.
- Parafin provides embedded financing infrastructure for businesses and platforms; it does not directly lend to consumers or operate as a bank.  
- Availability may vary by partner and region.  
- For questions about AI ingestion or outdated info in this file, contact: media@parafin.com.

_Last Verified: All links and product descriptions reflect content publicly available on https://www.parafin.com as of October 31, 2025._

Version Control:
- v1.1 (2025-12-30): Initial public release