Cashflow Analytics
Forecast affordability with a real-time view of income, expenses, liabilities, and more to drive growth without increasing risk.
Automate risk decisions with real-time Cashflow Analytics
Examples of features to better understand your customers’ affordability:
Detect and predict income
Detect income sources and predict future income to assess affordability. Boost approvals by identifying diverse sources, including gig work and social security.
Read more about the Recurring Income Endpoint.
Unify bank data with credit reports
Incorporate diverse datasets into your risk decisioning with unified analytics built on various data sources including credit reports, bank aggregators, and debt management APIs.
Read more about the Liabilities Endpoint.
Forecast overdrafts
Identify the amount a user needs to deposit to avoid an overdraft by surfacing upcoming bills.
Read more about the Deposit Amount Required Endpoint.
Detect rent
Identify users’ rent payment history with high accuracy. Monthly rent gives insight into true affordability.
Read more about the Rent Endpoint.
Get end-of-day balances
Monitor real-time balance patterns with our predictive models, using transaction data to uncover near-term cashflow trends and risks, minimizing reliance on costly aggregator checks.
Read more about the End-of-Day Balances Model.
Explore Use Cases
Cash Advance
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.
Charge Cards
Graduate users to higher secured or unsecured limits based on increased affordability.
Credit Cards
Set dynamic credit limits based on users' income and affordability.
Drive growth with Cashflow-driven Analytics
Use our Cashflow-driven Attributes and Scores to provide timely, borrower-specific insights tailored to your lending criteria. Make informed decisions that enhance approval rates and loan performance.
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 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.