Parafin, has launched Pay Over Time, the latest addition to its suite of financing products. Pay Over Time introduces a new payment method that lets small businesses defer payments on essential expenses such as inventory, equipment, payroll, advertising, and rent—directly within the platforms they already use. The product is already live with Gusto as a payroll line of credit. With Pay Over Time, Parafin is broadening access by embedding real-time credit at the point of need—whether at checkout, on invoices, or during payroll runs—helping businesses better manage everyday expenses alongside long-term investments. Unlike conventional lenders who rely on personal credit scores, Parafin uses LLM-powered AI models to analyze raw banking activity in real time, turning thousands of unstructured transactions into a clear picture of business health. This enables credit decisions in as little as 10 seconds with high approval rates, while platforms benefit from seamless integration as Parafin manages underwriting, compliance, and servicing. Vineet Goel, Chief Product and Technology Officer and Co-founder of Parafin. “Pay Over Time empowers platforms to support their customers at the exact moment of purchase, payment, or payroll. With this launch, we’re just getting started on building a comprehensive suite of financial solutions designed for speed, scale, and the realities of small business financing.” In addition to payroll, Pay Over Time is already expanding into use cases such as: Freight booking, Restaurant equipment financing, Dental supply procurement, and Digital advertising