Cashflow Scores
Predict a borrower’s probability of making their first few payments for specific credit products - personal loans, credit lines, small dollar loans, and more.
Drive growth with Cashflow-driven Scoring
Utilize Pave’s Cashflow-driven Scores to quickly and accurately determine which users are likely to make upcoming payments based on their cashflows.
Predict the likelihood of subsequent payments
Our scores predict the probability of repaying the first few payments, indicating the likelihood of full repayment. Quickly assess performance and adjust your lending strategy in real time.
Safely increase credit limits
Identify users who have demonstrated they can repay higher limits based on healthy cashflows across income, balances, liabilities, and more, to raise revolving credit line limits.
Identify underserved healthy borrowers
Differentiate borrowers with similar FICO scores by assessing their cashflows. Uncover healthy, creditworthy individuals missed by traditional models, enabling you to extend services to underserved segments and drive growth.
Supplement traditional data with cashflow analytics
Identify more creditworthy borrowers overlooked by traditional models by unifying cashflow, liabilities, and credit data. Our real-time insights—covering income stability, loan affordability, and recurring expenses—provide a complete view of borrower affordability.
Expand cashflow visibility with our robust dataset
Boost approvals with scired built on a vast and growing dataset of bank transactions and performance data. Customizable for specific products like Charge Cards, our models deliver precise risk assessments and are regularly fine-tuned for maximum accuracy.
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 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.