Cashflow Analytics in Snowflake

Cashflow Analytics in Snowflake

Get key insights into cashflows and liabilities with standardized tables.

Experience next-level analysis within Snowflake

Unified data schema

Pave unifies multiple data sources including bank transactions, credit reports, loan performance data, and more – streamlining cashflow and liability analysis without the need for complex ETL pipelines.

Simplified analysis

Run unlimited SQL queries to uncover insights across your userbase without having to clean, categorize, or unify your data.

Near real-time insights

Tables are refreshed every 24 hours, allowing you to obtain the most up-to-date insights.

Get started with a simple SQL query:

Check out our Quickstart Guide to get started.

Streamline analysis with standardized data

Analyze financial data effortlessly within Snowflake.

Segments Table

Access pre-built Segments built on our models that group users by financial behavior into Segments like Auto Owner and Student Loan Holder.

Check out this demo of the Segments Table.

Transactions Table

Retrieve a standardized view of all user transactions, complete with clean and normalized merchant names, granular tags, categorization, and detection of recurring transactions.

Attributes Table

Backtest 1500+ Cashflow Attributes to identify opportunities to reduce delinquencies, enhance credit quality, and more.

Scores Table

Leverage Pave’s Cashflow Scores trained on millions of defaults in order to identify users who could have been accepted or declined.

Future Tables

We’re actively expanding our offerings based on your feedback.

Explore Use Cases

Cash Advance

Score users for cash advances.

Small Dollar Loans

Score applicants for small dollar loans.

Personal Loans

Score applicants for personal loans.

Credit and Charge Cards

Set dynamic credit limits for credit and charge cards.

Power risk decisions with cashflow intelligence

3 product offerings

Reduce defaults and NSFs

Use our Scores trained on billions of labeled datapoints:

  • Cash Advance Score
  • Small Dollar Loan Score
  • Personal Loan Score
  • NSF Score

Drive lift in risk models

    Power your proprietary risk models with cashflow signals including:
  • Income trends
  • Debt payment trends
  • NSF and balance trends
  • Changes in affordability

Predict user cashflow

Forecast user cashflows including:

  • Income detection
  • Bill detection
  • Liabilities
  • Rent

Check out our use cases for cash advance, credit and charge cardssmall dollar loanspersonal loans, and more.

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