# Parafin

**Canonical:** https://apis.io/providers/parafin/  
**Website:** https://www.parafin.com/  
**APIs profiled:** 1

Parafin is an embedded finance infrastructure company (founded 2020) that lets software platforms, marketplaces, and payment service providers offer capital, spend, and pay-over-time products to the small businesses on their platform. Parafin abstracts the hardest parts of launching a business-financing product — capital sourcing, regulatory and compliance know-how, underwriting and risk modeling, servicing, and collections — behind white-labeled REST APIs and embeddable UI widgets (Parafin Elements) shipped for React, Vue, and Angular. Products include Capital (revenue-based cash advances and flex term loans), Line of Credit, Spend (card and cash account), and Pay Over Time. Platforms integrate via a no-code option (Parafin Lite), low-code embedded Elements, or a custom API build. Notable customers include DoorDash and Mindbody. Backed by GGV Capital, Redpoint Ventures, and Ribbit Capital.

## Kin Score — 15.6 / 100 (emerging)

Scored 2026-08-19 under rubric 0.12.0. Trend: falling (-7.7 from 23.3).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 33.3 |
| Commercial Clarity | 10.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Payments**: 25.0 (matched via tags).

## Agent readiness — 12.6 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **Parafin API** — White-labeled embedded finance REST API for offering business financing — creating businesses, persons, and bank accounts; generating capital offers; creating capital, line-of-c...

## MCP servers (1)

- **parafin-mcp.yml**

## Security (2)

- **Parafin Authentication** — oauth2/http-bearer · 2 schemes
- **Parafin Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Embedded Finance, Lending, Capital, Payments, Small Business, Working Capital, API

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/parafin/). Scores are computed from the provider's own public artifacts under a published rubric.