Forecast Debt Payoff Scenarios with the Liabilities Dashboard

Following the release of our Liabilities Endpoint, we’ve launched a Liabilities Dashboard that allows lenders to get a complete and up-to-date picture of a borrower’s liabilities and cashflows in order to easily gauge a borrower’s ability to handle debt.

 Who this dashboard is for

  • Risk teams looking to automate their underwriting process 
  • Lenders looking to run debt payoff scenarios
  • Companies building debt management screens

Why we built this

Discrepancies between credit reports and bank account information make it difficult to answer questions like:

  • Is the borrower making their debt payments on time? 
  • Does the borrower have liabilities that don’t appear in their credit report?
  • Can the borrower afford to make a new monthly loan payment?

How it Works

Pave ingests, cleans, and unifies multiple data sources including credit reports, bank aggregators like Plaid and MX, and debt management APIs like Method.

  1. Upload a user’s bank transactions, credit reports, and/or data from debt aggregators like Method
  2. Pave automatically unifies the loan payments in bank transaction data with the corresponding tradeline in credit data
  3. Access the borrower’s unified list of liabilities and select different liabilities for payoff 
  4. See the user’s revised monthly cashflow (with the payoff factored in) to run debt payoff scenarios
Here’s a demo of how the dashboard works:

Use Cases

  • Debt consolidation: Efficiently model different consolidation scenarios to offer users payoff options
  • Personalize debt management experiences: Recommend optimal debt payoff plans based on users’ cash flows and interest rates


How do I access the Liabilities Dashboard?
Reach out to if you’d like to explore this dashboard and we’ll provide access!
Where can I see more analytics on a user’s liabilities?
The liabilities dashboard is powered by our liabilities endpoint. You can read more about the liabilities endpoint here.