Getting Started with Pave
Turn cashflow data into approvals and growth. Pave translates bank transaction data, credit reports, loan performance data, and more into Cashflow-driven Attributes and Scores, allowing you to say yes to more applicants and unlock new lending opportunities.
1.
1: Connect your data sources
Pass your data to Pave's API - no transformation necessary.
Our cashflow-driven analytics unify, categorize, and enrich your anonymized data with real-time predictions.
2.
2: Get Cashflow-driven Attributes & Scores
Access 4000+ Attributes across Affordability, Stability, Willingness and Assets. Get Scores specifically trained on loan performance history for each credit product (e.g. Small Dollar Loan Score, Personal Loan Score), to identify healthy borrowers often missed by traditional models.
3.
3: Drive lift in risk models
Leverage Pave's Cashflow-driven Attributes and Scores in your proprietary models to drive growth without increasing risk.
Pave never replaces your proprietary models – we enhance them, helping you approve more creditworthy applicants.
Transform your data sources into Attributes and Scores
Discover how to accelerate your model development from months to days.
4 ways risk teams access Pave
API
Connect dozens of pre-configured data sources and seamlessly integrate Pave’s analytics within your existing tools and workflows.
Snowflake
Access Pave’s schemas via Snowflake’s secure direct data share, staying up-to-date with real-time changes to streamline model development and analytics.
Dashboards
Leverage our UI for real-time updates and visualizations, providing quick access to insights and analytics without any coding required.
Decision Engines
Run backtests, and champion-challenger models, and deploy new rules in your models with no coding required.
Explore More Products
Cashflow Scores
Offer higher amounts and drive growth with our Cashflow Scores, built on Cashflow Attributes and repayment history. Increase approvals and retention by identifying healthy, underserved borrowers.
Cashflow Attributes
Drive lift in your risk models to boost approvals with thousands of pre-built attributes built on our expansive loan performance dataset.
Cashflow Analytics
Automate processes to increase approvals and serve more borrowers using Pave’s real-time Cashflow Analytics. Streamline operations and identify healthy, underserved borrowers.
Cashflow Analytics in Snowflake
Gain seamless access to cashflow data within Snowflake to enhance analysis and decision-making. Leverage Pave’s standardized tables, updated daily, to uncover insights without complex ETL.
Unlimited data source connections
Pave ingests all of your financial data sources allowing you to:
• Retrieve a complete view of your customer’s financial profile across data sources
• Instantly generate Attributes on any of your connected data sources
• Predict events like defaults and likelihood to repay
Bank Aggregators
Core Banking
BaaS
Payroll APIs
Credit Bureaus
Custom Data Sources
Pave is committed to the security of our customers’ data and our SOC 2 Type II certification allows us to continue supporting the growing number of companies using Pave to power risk models.
A possible misconception about Pave is that we replace proprietary models. Pave’s AI-powered cashflow analytics and scores enable consumer and SMB lenders to drive lift in credit risk models. Our products drive lift in proprietary risk models - they are NOT a replacement.
No, Pave does not provide data. We leverage your existing data sources and clean, categorize, and normalize the data to provide predictive Cashflow Analytics. To see how our analytics can help drive lift in your models, we invite you to schedule a demo with us.
Pave does not provide or aggregate data. We sit on top of your data sources including loan performance outcomes, bank transaction history, credit reports, and more. Pave’s AI-powered models unify, categorize, and detect recurring patterns in all of your anonymized financial data sources in near real-time to provide Attributes and Scores that drive lift in your proprietary risk models. Read more about how it works.
Yes, integration with a data aggregator is necessary to use Pave. We are compatible with any aggregator, allowing you to select the one that best suits your needs. We’re happy to provide a list of aggregators that integrate seamlessly with Pave. If your preferred aggregator isn't currently supported, please contact us at api@pave.dev, and we’ll work to establish the integration.
No, Pave does not ingest PII. If your data includes PII, we specifically exclude those fields from ingestion. We only require a unique identifier, such as "user_123", to process data. Additionally, we do not comingle data across providers. We utilize the data to enhance and train our models. All data is safeguarded according to SOC2 compliance standards for data security.