Sahill Poddar

Co-founder & CEO @ParafinHQ

[Parafin @ParafinHQ]

Somewhere right now, a small business is closing your checkout tab because they can't afford the order.

They won't tell you. They won't churn. They'll just quietly buy less, or buy somewhere else.

That's the gap B2B #BNPL, or pay over time, was built to close.

We wrote up what it is, why platforms are racing to embed it, and what separates the providers worth integrating with.

https://t.co/UfADHPaNTr

[Sahill Poddar @llihas]

Introducing ParaFormer: a transformer architecture for time series prediction which uses the same attention mechanism as LLMs. As it turns out, predicting the next number in a sequence is structurally the same problem as predicting the next word in a sentence. The result is a model that is a lot more performant in predicting seasonality and lowering variance for forecasting sales. To the best of our knowledge, this is the first production deployment of a transformer architecture for small business lending at this scale!

[Sahill Poddar @llihas]

LLMs are transforming how @ParafinHQ underwrites small business credit at a rapid pace. From an experiment to a quarter of our volume in less than a year and growing rapidly.

[Vineet Goel @vineetgoel92]

Bank transaction underwriting is accelerating Parafin's growth as cashflow signals beat personal credit scores. AI can now read raw SMB bank transactions, and together with our data scale and proprietary models turn it into real lending outcomes. The result is >100% YoY growth.

[Sahill Poddar @llihas]

Introducing ParaFormer: a transformer architecture for time series prediction which uses the same attention mechanism as LLMs. As it turns out, predicting the next number in a sequence is structurally the same problem as predicting the next word in a sentence. The result is a model that is a lot more performant in predicting seasonality and lowering variance for forecasting sales. To the best of our knowledge, this is the first production deployment of a transformer architecture for small business lending at this scale!

[Parafin @ParafinHQ]

https://t.co/xdif2d41CF

[Sahill Poddar @llihas]

@FerdiDabitz Congrats!

[Sahill Poddar @llihas]

Small businesses usually feel economic shifts first.

The latest data from the National Federation of Independent Business shows optimism dipping, even as profit trends hit a four-year high.

That tension reflects how small businesses actually operate: things can be working today while the future still feels uncertain.

Small businesses don’t need financing eventually. They need it now!

https://t.co/ROLndVko2Q

[Sahill Poddar @llihas]

@tomerlondon Thanks for sharing!

[Sahill Poddar @llihas]

@anaganath @kleinerperkins congrats!

[Sahill Poddar @llihas]

@justinmateen @whop Massive congratulations to the entire @whop team

[Sahill Poddar @llihas]

@joshelman thank you for the kind words and support ♥️

[Sahill Poddar @llihas]

@gokulr @ParafinHQ 🙏 thank you for the kind words

[Sahill Poddar @llihas]

Very exciting times at @ParafinHQ as

1. we’ve surpassed a $100M revenue run rate
2. are live on 80+ platforms
3. have achieved this with a lean team of ~100 people

We could not be more excited for what lies ahead of us as we scale multiple products. Come and join us in our mission to grow small businesses https://t.co/u5qondPDl6

[Sahill Poddar @llihas]

@vladtenev @shiv_verma1 Massive congratulations @shiv_verma1 🎉 well deserved!

[Sahill Poddar @llihas]

@KicksCharlie @CompositeAI congrats on the incredible launch. Love the 🍊+🖤

[Sahill Poddar @llihas]

@JoshuaKushner Huge congratulations 🎈

[Sahill Poddar @llihas]

👀

[TBPN @tbpn]

IN NEWS: @GustoHQ unveils new cash flow tools at its live Showcase in San Francisco to help small businesses make payroll on time.

“When I speak with small businesses, the hardest moments are when they cannot make payroll. It is not that they do not make enough money. It is all about cash flow. When money comes in and when money goes out.” –@tomerlondon (Co-Founder and CPO, Gusto):

Gusto is launching features to help teams make payroll on time and smooth timing gaps between expenses and receivables.

[Sahill Poddar @llihas]

@pdhsu @ThriveCapital Congratulations

[Sahill Poddar @llihas]

@JoshuaKushner 🎯

[Sahill Poddar @llihas]

@zebulgar Congratulations 🎊