Cashflow analytics for COnsumer & SMB credit risk

Drive growth with AI-Powered Cashflow Intelligence

Identify healthy underserved borrowers, increase approvals, and improve on-time payments with Pave's Cashflow Analytics and Scores.

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Customers and Trusted Partners

The Future of Credit Scoring and How to Assess Cashflow Scores

The future of credit scoring - how cashflow scores help lenders assess financial health beyond traditional credit checks.

USE CASES

Power Your Risk Models

Leverage Pave’s AI-powered Cashflow Analytics, Attributes, and Scores in your proprietary risk models to drive growth without increasing risk.

Cash Advances

Score users to increase approvals, advance amounts, and improve repayments.

Personal Loans

Identify users with high likelihood of making the first 4 payments to reduce delinquencies.

Small Dollar Loans

Predict repayment likelihood for the first 4 payments to reduce defaults.

Credit Cards

Set dynamic credit limits based on users' income and affordability.

Charge Cards

Graduate users to higher secured or unsecured limits based on increased affordability.

COMING SOON

Merchant Cash Advance

Evaluate business cashflows to determine eligibility and advance amounts.

COMING SOON

Working Capital Financing

Predict repayment likelihood to reduce defaults.

COMING SOON

Equipment Financing

Assess business cashflows to predict loan repayment ability and reduce defaults.

COMING SOON

Business Line of Credit

Set dynamic credit limits based on a business's cashflow and affordability.

COMING SOON

Business Charge Cards

Analyze spending and revenue consistency to set appropriate credit limits and terms.

who we serve

Our Customers

Pave equips lenders with cashflow analytics to convert more underserved applicants into successful customers. Lenders retain full control of their proprietary models while our platform offers customizable solutions tailored to your lending criteria, providing the flexibility to implement strategies that suit your operations.

Consumer Credit Providers

Enabling lenders to assess affordability, reduce defaults, and boost approvals with cashflow analytics for cash advances, personal loans, BNPL, and more.

Business Credit Providers

Helping business lenders to assess affordability, reduce defaults, boost increase approvals for working capital, credit lines, customized financing, and more.

Debt Capital Providers

Assisting debt capital providers in identifying secure lending opportunities and managing portfolio risks through cashflow analytics and custom scores.

Safely expand to new segments with Cashflow-driven Analytics

Most lenders excel at predicting defaults but miss out on good borrowers. Pave’s models, trained on a diverse data from 20M+ borrowers, help lenders identify and approve healthy overlooked borrowers, driving growth and expanding their reach.

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benefits

The Power of Pave

Leverage our growing data network of loan repayment and performance data to uncover opportunities and reach more creditworthy borrowers missed by existing models.

Increase approvals

Unlock more approvals with tailored scores trained on your loan performance data that identify healthy borrowers missed by traditional credit data.

Increase loan sizes

Confidently offer larger loan amounts by pinpointing borrowers with high repayment potential.

Improve repayment rates

Align repayment schedules with income patterns to boost timely payments and reduce costs.

Personalize offers

Match loan amounts to individual cashflow needs, extending the right product to underserved consumers and businesses.

THE PAVE DIFFERENCE

Why Pave?

Choose Pave for actionable cashflow analytics and tailored scores that enable you to expand lending, improve credit decisions, and confidently meet the needs of underserved borrowers.

45%

Increase Approvals

Gain deeper insights into applicants to confidently expand lending criteria and grow your portfolio.

27%

Reduce NSFs

Align payment schedules with borrowers' expected income to prevent late or missed payments.

69%

Reduce Defaults

Identify high-risk accounts early, enabling proactive refinancing and smarter loan approvals.

Based on Pave customer backtests and live implementations.

"Pave.dev’s insights into users’ behavior and repayment likelihood have been game-changing for us. Our 30-day repayment rate has significantly improved, and now we’re able to make data-driven decisions with confidence."

Tim Yelchaninov

Founder and CEO, True Financial

Backed by world class investors

our blog

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The Future of Credit Scoring and How to Assess Cashflow Scores

The future of credit scoring - how cashflow scores help lenders assess financial health beyond traditional credit checks.

Pave.dev and Taktile Partner to Automate SMB Credit Underwriting

This collaboration seamlessly integrates Pave.dev’s cashflow intelligence with Taktile’s decision engine, empowering lenders to make automated and optimized financial decisions.

Ready to Start?

Leverage our advanced cashflow analytics to gain deep insights into your borrowers' financial behaviors.

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