Power credit decisions with cashflow intelligence

Credit risk teams use Pave to identify healthy borrowers, optimize credit limits, and improve collections outcomes.

Improve your collections success by over 27% with personalized payment plans.

Download our whitepaper to learn more.

Current Use Cases

Leverage Pave’s Cashflow API, Attributes, and Scores in your risk models

Cash Advance

Score users for cash advances.

Credit and Charge Cards

Set dynamic credit limits for credit and charge cards.

Reduce NSFs

Personalize payment plans to prevent NSFs and overdrafts.

Debt Consolidation

Project affordability scenarios for debt consolidation.

Cashflow Underwriting

Use Pave's Cash Advance Repayment Score and Attributes to predict and prevent defaults.

Transform your data sources into Attributes and Scores with Pave.dev

Discover how to accelerate your model development from months to days

The Problem

Analyzing financial data is painful.

It takes millions of dollars and ongoing software engineering, data engineering, and machine learning investment to:

  • Clean and unify multiple financial data sources
  • Generate new attributes
  • Develop models and scores

This is costly and undifferentiated.

Our Solution

We’ve developed AI-powered data infrastructure that’s built on a growing and diverse set of financial data. Our Scores and Attributes help consumer fintechs and personal lenders manage their credit risk, fraud risk, and financial management tools. We power use cases like cash advance, credit builder,overdraft protection, and more. See how it works.

Check Out Our Blog

Improvements to the Balances Endpoint

We’ve released improvements to our Balances Endpoint. Please note that these improvements will not affect your current implementation. This endpoint originally returned an end-of-day balance

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