Semantic Coherence: Pave – Signal Evidence & AI Readability

Download Now → How are U.S. consumers really doing? New data from Pave × Atlas.Customers and Trusted PartnersNew Data Study
[H4] 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.
[IMG: Credit Scoring]
USE CASES
[H2] 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.
[H5] Cash Advances
Score users to increase approvals, advance amounts, and improve repayments.
[IMG: Cash Advances]
[H4] Personal Loans
Identify users with high likelihood of making the first 4 payments to reduce delinquencies.
[IMG: Personal Loans]
[H5] Small Dollar Loans
Predict repayment likelihood for the first 4 payments to reduce defaults.
[IMG: Small Dollar Loans]
[H5] Credit Cards
Set dynamic credit limits based on users' income and affordability.
[IMG: Credit Cards]
[H5] Charge Cards
Graduate users to higher secured or unsecured limits based on increased affordability.
[IMG: Charge Cards]
[H5] COMING SOON
[H5] Merchant Cash Advance
Evaluate business cashflows to determine eligibility and advance amounts.
[H5] COMING SOON
[H4] Working Capital Financing
Predict repayment likelihood to reduce defaults.
[H5] COMING SOON
[H5] Equipment Financing
Assess business cashflows to predict loan repayment ability and reduce defaults.
[H5] COMING SOON
[H5] Business Line of Credit
Set dynamic credit limits based on a business's cashflow and affordability.
[H5] COMING SOON
[H5] Business Charge Cards
Analyze spending and revenue consistency to set appropriate credit limits and terms.WHO WE SERVE
[H2] Our Customers
Pave.dev equips lenders with tools 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.
[H5] Banks
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[H5] Credit Unions
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[H5] Fintechs
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[H5] Debt Capital Providers
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros.who we serve
[H2] 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.
[H3] Consumer Credit Providers
Enabling lenders to assess affordability, reduce defaults, and boost approvals with cashflow analytics for cash advances, personal loans, BNPL, and more.
[H3] Business Credit Providers
Helping business lenders to assess affordability, reduce defaults, boost increase approvals for working capital, credit lines, customized financing, and more.
[H3] Debt Capital Providers
Assisting debt capital providers in identifying secure lending opportunities and managing portfolio risks through cashflow analytics and custom scores.benefits
[H2] 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.
[H4] Increase approvals
Unlock more approvals with tailored scores trained on your loan performance data that identify healthy borrowers missed by traditional credit data.Get real-time cashflow and affordability signalsAnalyze income trends, debt payment behavior, and signs of distressPredict delinquencies, ability to pay, NSFs, and moreButtonButton
[IMG: Increase approvals]
[H4] Increase loan sizes
Confidently offer larger loan amounts by pinpointing borrowers with high repayment potential.Automate data cleaning, normalization, and feature extractionGenerate unified Attributes from multiple data sourcesEliminate in-house data labeling costsButtonButton
[IMG: Increase loan sizes]
[H4] Improve repayment rates
Align repayment schedules with income patterns to boost timely payments and reduce costs.Process billions of financial data analytics in near-real timeTake advantage of pre-configured data source integrationsAccess normalized data models via API or SnowflakeButtonButton
[IMG: Improve repayment rates]
[H4] Personalize offers
Match loan amounts to individual cashflow needs, extending the right product to underserved consumers and businesses.Automate data cleaning, normalization, and feature extractionGenerate unified Attributes from multiple data sourcesEliminate in-house data labeling costsButtonButton
[IMG: Personalize offers]
THE PAVE DIFFERENCE
[H2] 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.
[H3] 45%
Increase ApprovalsGain deeper insights into applicants to confidently expand lending criteria and grow your portfolio.
[H3] 27%
Reduce NSFsAlign payment schedules with borrowers' expected income to prevent late or missed payments.
[H3] 69%
Reduce DefaultsIdentify 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 YelchaninovFounder and CEO, True FinancialBacked by world class investorsour blog
[H2] Read Posts
Data Insights
[H3] The Rise of Fleet Cards: A Market on the Move
Explore key trends shaping the fuel cards market, including fleet card adoption, risk management challenges, and the role of real-time financial data.Amelia ChikotaSep 4, 2024Data Insights
[H3] The Future of Credit Scoring: Cash Flow-Based Risk Models
Learn how cash flow credit scoring helps lenders predict repayment, reduce defaults, and assess risk in real time beyond traditional FICO models.Alain ShemaAug 5, 2024AnnouncementsPartnerships
[H3] 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.Amelia ChikotaAug 1, 2024View All Posts
[H4] Ready to Start?
Leverage our advanced cashflow analytics to gain deep insights into your borrowers' financial behaviors.Thank you! Your submission has been received!Oops! Something went wrong while submitting the form.

[H3] Sign up for our newsletter
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smarter Decisions
[H2] Increase Growth with Cash Advance Scoring and Advanced Underwriting Insights
Identify users who have capacity and need for advanced paychecks with Pave’s Cash Advance Score and Attributes.
[H4] Safely Increase Cash Advance Amounts with Better Scoring
Identify users who have demonstrated they can repay higher amounts with other providers, allowing you to offer larger advances confidently.
[IMG: Safely Increase Cash Advance Amounts with Better Scoring]
[H4] Align Payment Dates to Improve Cash Advance Underwriting
Identify multiple income streams and align the scheduled payment date with when users have funds, reducing NSFs and building trust.
[IMG: Align Payment Dates to Improve Cash Advance Underwriting]
[H4] Proactively Identify Risky Users for Cash Advance Decisions
Surface behaviors from cashflow data like cash advance defaults, loan stacking, and frequent chargebacks to flag high-risk users.
[IMG: Proactively Identify Risky Users for Cash Advance Decisions]
Learn more
[H2] Explore More Products
[IMG: Cashflow Scores]
Tagline
[H3] 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.
[IMG: Cashflow Attributes]
Tagline
[H3] Cashflow Attributes
Drive lift in your risk models to boost approvals with thousands of pre-built attributes built on  our expansive loan performance dataset.
[IMG: Cashflow Analytics]
Tagline
[H3] 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.
[IMG: Cashflow Analytics in Snowflake]
Tagline
[H3] 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.unlock potential
[H2] Cash Advance Scoring & Underwriting Powered by Cashflow Analytics
Tailor cash advance underwriting decisions using predictive cashflow analytics to assess repayment ability, reduce risk, and improve approval outcomes.
[IMG: Optimize on-time payments]
[H3] Optimize Cash Advance Repayments with Smarter Scoring
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.
[IMG: Increase cash advance limits]
[H3] Increase Cash Advance Limits with Predictive Underwriting
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.
[IMG: Capture additional market share]
[H3] Capture Market Share with Advanced Cash Advance Underwriting
Detect cash advance usage from other providers with Pave’s Liabilities Endpoint for precise targeting and timely offers.our blog
[H2] Related Posts
[H3] 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 ChikotaMar 25, 2024
[H3] 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 ChikotaFeb 16, 2024
[H3] 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 ChikotaNov 3, 2022View All Postslearn more
[H2] More Use Cases
[H5] Personal Loans
Identify users with high likelihood of making the first 4 payments to reduce delinquencies.
[H5] Small Dollar Loans
Predict repayment likelihood for the first 4 payments to reduce defaults.
[H5] Charge Cards
Graduate users to higher secured or unsecured limits based on increased affordability.
[H5] Credit Cards
Set dynamic credit limits based on users' income and affordability.

smarter lending
[H2] Enhance Personal Loan Underwriting with Predictive Cashflow Scores
Enhance risk models for personal loans with the Personal Loan Score and Cashflow Attributes.
[H4] Improve Risk Models for Personal Loan Underwriting
Enhance proprietary models with Cashflow-driven Attributes and Scores to more accurately assess borrower affordability, identify healthy borrowers, and unlock new segments.
[IMG: Improve Risk Models for Credit Limit Increase Decisions]
[H4] Monitor Borrower Cashflow in Real Time
Track real-time income stability, spending, and financial health to adjust loan amounts, foster growth, and proactively mitigate risks before they impact your portfolio.
[IMG: Real-Time Cashflow Monitoring for Better Limit Decisions]
[H4] Personalize Personal Loan Repayment Plans
Align payment schedules with borrowers' income to improve on time payments and reduce risk.
[H2] How Cashflow Data Improves Personal Loan Underwriting
Cashflow analytics provides lenders with deeper insight into borrower affordability, income stability, and spending behavior. By integrating real-time transaction data into underwriting models, lenders can more accurately predict repayment likelihood and expand access to responsible personal loans.
[H3] FAQ
[H5] How does cashflow data improve personal loan underwriting?
Cashflow analytics provides real-time insight into borrower income, expenses, and financial stability, enabling lenders to better assess repayment capacity.
[H5] What data is used in personal loan underwriting models?
Underwriting models can use bank transaction data, income patterns, liabilities, and spending behavior to evaluate borrower affordability.
[H5] Can cashflow analytics reduce personal loan defaults?
Yes. Cashflow-based scoring models help lenders identify financially stable borrowers and detect risk signals earlier.Learn more
[H2] Explore More Products
[IMG: Cashflow Scores]
Tagline
[H3] 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.
[IMG: Cashflow Attributes]
Tagline
[H3] Cashflow Attributes
Drive lift in your risk models to boost approvals with thousands of pre-built attributes built on  our expansive loan performance dataset.
[IMG: Cashflow Analytics]
Tagline
[H3] 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.
[IMG: Cashflow Analytics in Snowflake]
Tagline
[H3] 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.unlock potential
[H2] Use Cashflow Analytics to gain a competitive edge
Tailor risk decisions to users’ likelihood and ability to pay, ensuring optimal outcomes for both lenders and borrowers.
[H3] Reduce delinquencies
Leverage Pave’s Personal Loan Score, trained on an extensive dataset of loan payments and delinquencies, to enhance your risk models.
[H3] Optimize loan pricing
Align loan terms with borrowers’ likelihood and ability to pay by dynamically adjusting pricing with our Income Prediction Model.
[H3] Verify application data
Improve income assessment accuracy and reduce first-party fraud with our Income Prediction Model.
[H3] Predict borrower intent
Identify when users have changes in affordability or are taking on new credit to enable precise targeting and timely loan offers.our blog
[H2] Related Posts
[H3] Announcing the new Small Dollar Loan Score
We’re excited to announce our new Small Dollar Loan Score. The Small Dollar Loan Score evaluates the probability of a user making their first four small dollar loan payments.Amelia ChikotaMay 17, 2024
[H3] Retrieve a complete view of users’ liabilities with the new Liabilities Endpoint
This endpoint ingests data from multiple data sources and returns a complete, accurate, and up-to-date view of a user’s liabilities.Julia PuzzoApr 28, 2023
[H3] Understand User Cashflow with the Attributes Endpoint
The attributes endpoint provides hundreds of ready-made attributes that describe a user’s cashflow and financial health for various use cases.Alain ShemaOct 26, 2022View All Postslearn more
[H2] More Use Cases
[H5] Cash Advance
Score users to increase approvals, advance amounts, and improve repayments.
[H5] Small Dollar Loans
Predict repayment likelihood for the first 4 payments to reduce defaults.
[H5] Charge Cards
Graduate users to higher secured or unsecured limits based on increased affordability.
[H5] Credit Cards
Set dynamic credit limits based on users' income and affordability.