See what cashflow adds to the Achieve Acceleration Loan before changing a single credit decision.

Pave runs alongside your existing underwriting to measure incremental lift on your own applicants. Evaluate near-term repayment risk without replacing your current models, changing credit policy, or disrupting the borrower experience.

Schedule Your Demo
WATCH
How Pave helps marketplace lenders like LendingClub rebuild institutional investor confidence and increase loan sales pricing
150M
monthly transaction and outcome events
10,000+
cashflow attributes, from unified bank, credit and performance data
2-3 weeks
from data to a measured read on your own book
0
changes to your credit policy to get started

Challenges Pave Solves

A borrower’s file can lag behind their financial progress.
For a member moving from debt resolution into an Acceleration Loan, traditional credit data may say more about the period they are leaving than their ability to manage the next payment. Underwriting needs a clearer view of what is happening now.
A second look only works when it adds new evidence.
Re-running the same inputs below a cutoff is likely to reproduce the same answer. Cashflow adds a different view of stability, affordability, and near-term repayment capacity, making reconsideration more informative.
Borrowers in the same risk tier can repay differently.
Existing models rank risk using the information available to them. Cashflow can distinguish applicants who look similar in a score or tier but have materially different deposit patterns, obligations, and liquidity.
Verified income is a snapshot and affordability is a pattern
Income verification confirms earnings at a point in time. It does not show when money consistently reaches the account, how volatile it is, or how much is already committed before a payment comes due.

How Pave Can Transforms Achieve's Business

Schedule Your Demo
Measure incremental lift before changing policy.

Run Pave’s cashflow attributes and score alongside the decision Achieve makes today. Compare outcomes on the same applicants, quantify the added signal, and decide where it earns a place in policy.

Make the second look meaningfully different.

Give applicants near the cutoff a true second source of evidence. Cashflow can surface signs of stability and repayment capacity that are not visible in the inputs used for the original decision.

Refine decisions on both sides of the cutoff.

Identify stronger applicants below the line while separating higher-risk borrowers within approved tiers. The result is a more precise view of where approval opportunity and avoidable loss may sit.

Evaluate the signal without replacing your stack.

Start with a measured comparison rather than a production-policy change. Pave is designed to complement existing underwriting so Achieve can establish value first and determine the right deployment path second.

CASE STUDY

National Personal Loan Provider

A national personal loan provider used Pave's Custom Personal Loan Score to identify which marginal declines were actually approvable, expanding its buy box without adding risk.

~100K
loans analyzed using historical performance and consumer-permissioned cashflow data
90%
of marginal declines identified as approvable without adding risk

Pave's Cashflow Analytics for Achieve

Personal Loan Score
Ranks near-term repayment risk by predicting whether the next payments will clear for applicants a tier grade treats as alike.
Cashflow Attributes
10,000+ stability, affordability, asset and willingness signals, available as model inputs rather than a black-box score.
Income Prediction Model
Predicts the next deposit and its date, so affordability is measured against money that actually lands and payments can be timed to it.
Snowflake Integration
Standardized cashflow data in the warehouse your analysts already query, with no new tooling required to evaluate it.
Custom Models
When the off-the-shelf score isn't the right fit, the same attributes train a model on your book and your risk event.
Ongoing Monitoring
Scores refresh as behavior changes, so a graduating borrower is re-read rather than re-scored once at application.

Measure the lift before you change the way you lend.

Run Pave alongside your current underwriting and measure the incremental lift on your own applicants before changing policy, replacing models, or committing to a rollout.

Schedule Your Demo

30-minute personalized demo

Custom ROI analysis

Integration timeline discussion

Pave's advanced cashflow analytics allow us to offer personalized advances tailored to each worker's income. This partnership empowers us to scale while staying true to our commitment to each worker's unique financial needs.

Ricky Michel Presbot

CEO of Ualett