Cash Advance

Increase approvals, advance amounts, and net revenue with Pave’s Cashflow-driven Attributes and Cash Advance Score. Predict the likelihood of cash advance repayments, driving growth by identifying new healthy borrowers and expanding into new segments.

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Applications
Emergency Loans
Overdraft Protection
Micro Loans
Overdraft Line of Credit
Debt Consolidation Loans
Peer-to-Peer (P2P) Loans
Installment Loans
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Increase growth with Pave’s Cash Advance Score and Attributes

Identify users who have capacity and need for advanced paychecks with Pave’s Cash Advance Score and Attributes. 

Safely increase amounts

Identify users who have demonstrated they can repay higher amounts with other providers, allowing you to offer larger advances confidently.

Align payment dates with user's income

Identify multiple income streams and align the scheduled payment date with when users have funds, reducing NSFs and building trust.

Proactively identify risky users

Surface behaviors from cashflow data like cash advance defaults, loan stacking, and frequent chargebacks to flag high-risk users.

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Use Cashflow Analytics to gain a competitive edge

Tailor risk decisions to users’ likelihood and ability to pay, ensuring optimal outcomes for both cash advance providers and users.

Optimize on-time payments

Align payment dates with users’ income dates using our Income Prediction Model to ensure your app’s payment is prioritized on the day they receive their income.

Increase cash advance limits

Leverage repayment history from other providers to offer higher advances to existing users with need and capacity for advanced paychecks, using Pave’s Cash Advance Score.

Capture additional market share

Detect cash advance usage from other providers with Pave’s Liabilities Endpoint for precise targeting and timely offers.

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Related Posts

How Pave Helped a Top 10 Cash Advance Provider Increase Advance Amounts by 74%

By leveraging Pave’s Cash Advance Score, the provider was able to extend 74% higher advance amounts to high scoring users, ultimately increasing net revenue by 18%.
Amelia Chikota
Mar 25, 2024

Announcing the new Cash Advance Score

The Cash Advance Score is trained on millions of cash advances and hundreds of Attributes such as overdraft fees, changes in income, balance trends, and more.
Amelia Chikota
Feb 16, 2024

Cash Advance Usage increased 39% in the past 6 months

Cash advance usage surged 39% in 6 months. Explore the data behind this rise, how it's reshaping financial habits, and what it means for lenders and consumers alike.
Amelia Chikota
Nov 3, 2022
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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.

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More Use Cases

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.

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.