Sahill Poddar

Co-founder & CEO @ParafinHQ

[Sahill Poddar @sahillp]

@tekioncorp + @ParafinHQ

[Parafin @ParafinHQ]

Parafin Pay Over Time is live on @tekioncorp !

Together, we’ve launched a B2B buy now, pay later solution embedded directly into Tekion Pay, giving dealership business customers more flexibility in how they pay.

For buyers, that means more flexibility to manage working capital. For dealerships, it means offering flexible payment options to more business customers while getting paid upfront.

We’re excited to bring a more modern B2B payments experience to the automotive retail ecosystem with Tekion.

https://t.co/jYHKXfJAQv

[Parafin @ParafinHQ]

The future of small business financing may look a lot more like software.

Platforms already sit at the center of how millions of small businesses run. They see how those businesses are performing and often know when they’re preparing to invest, hire, or manage a cash flow gap.

That puts platforms in a powerful position to deliver financing at the moment it’s useful, directly inside the tools their customers already rely on.

FinTech Global explores what happens as more of the financial relationship moves into software: https://t.co/Qckvb3Ipmt

[Sahill Poddar @sahillp]

@OmarRayward 😂

[Sahill Poddar @sahillp]

@_arohan_ Yes pls, SF is a real struggle

[Luke Sophinos @lukesophinos]

Cold start in embedded fintech is brutal: you need data to underwrite, but platforms won't give you access without proof.

Parafin solved it by building the full product flow first, then pitching every platform where the fit was real until someone moved.

DoorDash, publicly traded, massive, signed a 5 person seed company to underwrite merchant capital.

Mid call they asked how big the team was. Sahill said "Everyone's on the call." They signed anyway.

@ParafinHQ @llihas

[Sahill Poddar @sahillp]

@GGuptaSF congrats!

[Sahill Poddar @sahillp]

Two LLM agents beat one on bank txn classification. By splitting the direction and deploying an agent for debits and another for credits, the @ParafinHQ research team can label a year's worth of bank txns in 10s with 99% accuracy inside a live underwriting decision.

[Parafin @ParafinHQ]

How do you classify 3,500+ bank transactions in the middle of a live underwriting decision?

We built an LLM workflow that:

• Achieves ~99% accuracy
• Runs in ~10 seconds
• Powers real-time credit decisions at scale

Read on ↓ https://t.co/fpauPvg8Ng

[Parafin @ParafinHQ]

The #EmbeddedFinance ecosystem is stacked 💪

Proud to be included among the companies building the infrastructure behind modern payments, banking, and lending.

Read @BuiltIn's full list here: https://t.co/n1Sqw20DkE

[Sahill Poddar @sahillp]

Small businesses are the backbone of the economy, yet banks do not have their back. Using personal credit scores to underwrite business credit leads to biases and co-mingled liability that can and should be avoided.

Introducing the Parafin Spend Card.

Underwritten purely on business performance using proprietary AI models. Ability to revolve any outstanding balance just a like consumer credit card. Rewards and a delightful user experience. Available on platforms small businesses trust and use everyday.

[Vineet Goel @vineetgoel92]

SMBs have used their personal credit cards for way too long. This changes today.

Blown away by what this lean team shipped, and the early metrics have us really excited. 🚀📈

[Sahill Poddar @sahillp]

Small business cards require the merchant to pay in full at the end of the month. This misses the mark and reduces optionality for a customer who is looking to solve for cash flow needs. Enter … the Parafin Spend Card.

AI powered underwriting on business performance with the option to revolve at the end the statement period.

https://t.co/xjpEQzkykr

[Sahill Poddar @sahillp]

@joshelman @a16z Huge congratulations @joshelman, they are lucky to have you!

[Vineet Goel @vineetgoel92]

A great follow-up covering the technical challenges of scaling ParaFormer from a hackathon to hundreds of millions in real lending outcomes 📖

[Sahill Poddar @sahillp]

ParaFormer part deux: learn about how the production pipeline is built and deployed to make loan offers to more than 1 million small businesses in less than 1 hour of inference time on a single A10 instance.

[Parafin @ParafinHQ]

https://t.co/wvN0xPWRqZ

[Sahill Poddar @sahillp]

@GoldmanSachs + @ParafinHQ

[Parafin @ParafinHQ]

We just closed a new credit facility with @GoldmanSachs and One William Street!

More capacity means more small businesses can access embedded capital through the platforms they already use every day.

With over 50,000 businesses funded and the majority returning for more, the new facility strengthens our ability to meet that demand at scale.

Read the full announcement here: https://t.co/yJ0oZiF7Cp

[Sahill Poddar @sahillp]

There's a $2 trillion gap in small business financing.

Not because the businesses aren't creditworthy, but because the system wasn't built to see them clearly.

At @ParafinHQ , we've built something different: financing products embedded in the platforms small businesses already trust, evaluated on real business performance, not personal credit history.

I sat down with @futurenex_us to talk about how we got to financing over 50k businesses, the technology behind it, and where we're headed next.
https://t.co/qciPDF9vK9

[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 @sahillp]

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 @sahillp]

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.