Hey everyone,

I’m in a really tough spot right now with Parafin Capital, and I’m hoping to get advice from other sellers who may have gone through something similar.

I took an advance from Parafin, and due to Amazon’s DD + 7 reserve system, increased seller fees, rising cost of doing business and overall lower profit margins, I’ve been struggling to keep up with their weekly deductions. My biggest issue is that Parafin’s withdrawals don’t align with my actual cash flow, since Amazon holds funds for extended periods before releasing them.

I requested bi-weekly payments and a temporary rate reduction, but they’re demanding my full bank statements before considering any adjustment. I offered alternative financial documents (Amazon sales reports, deposits, fee breakdowns, etc.), but they refused.

Here’s my dilemma:

• If I pay, I will be out of business. I don’t have the cash flow to sustain both my Amazon operations and their payments at the same time.

• If I don’t pay, I risk getting sued, which could also put me out of business if it escalates.

Has anyone else been in this situation? What happened? Did they actually escalate, or was there room to negotiate?

Looking for advice on the best way forward.