Albert

Accelerate Albert's Growth Trajectory

With 10M+ users and $173M in funding, Albert is positioned for massive scale. Pave provides the cashflow intelligence to safely expand your advance program.

Scale Beyond Current $250 Limit

Your users are asking for larger advances, but current risk models limit growth. Pave's Cash Advance Score identifies users who can safely repay $500+ advances.

Optimize Repayment Success

While Albert's no-interest model is innovative, Pave's Income Prediction Model can align payment dates with actual paydays, reducing failed collections.

Enhance Existing Infrastructure

Your Plaid integration already captures transaction data. Pave transforms this into 7,500+ predictive attributes without disrupting your current workflow.

Compete with Specialized Players

EarnIn and Dave are focused purely on advances. Give Albert's comprehensive platform the edge with industry-leading cashflow analytics.

How Pave Enhances Albert's Platform

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Real-Time Risk Assessment

Layer Pave's Cash Advance Score onto your current underwriting to instantly identify users ready for larger advances without increasing risk.

Smart Payment Optimization

Demonstrate superior credit performance with real-time cashflow analytics. Show banks 40% better delinquency rates backed by comprehensive affordability data.

Enhanced Data Insights

Demonstrate superior credit performance with real-time cashflow analytics. Show banks 40% better delinquency rates backed by comprehensive affordability data.

Precision Targeting

Demonstrate superior credit performance with real-time cashflow analytics. Show banks 40% better delinquency rates backed by comprehensive affordability data.

Proven Results with Similar Leaders

See how other cash advance and financial health platforms have accelerated growth with Pave

Leading Small Dollar Lender

Payment timing optimization case study

Similar to Albert’s Auto-Advance feature, this lender used Pave's Income Prediction Model to optimize payment timing and reduce NSFs.

Ualett (Gig Worker Focused)

Cash advance platform serving similar demographic

Ualett enhanced their underwriting process with Pave's Income Prediction Model to better serve gig workers with irregular income patterns.

Top 10 Cash Advance Provider

By implementing Pave's Cash Advance Score, this provider achieved remarkable results while maintaining their commitment to helping users access fair financial products.

74%

Higher advance amounts for high-scoring users

18%

Net revenue increase

13%

Default rate reduction

Proven Results with Similar Leaders

Purpose-built solutions that integrate seamlessly with your existing infrastructure

Cash Advance Score

Predicts likelihood of successful cash advance repayment based on comprehensive cashflow analysis. Trained on millions of advance transactions.

Income Prediction Model

Detects paychecks with 90%+ accuracy to optimize repayment timing. Aligns with Albert's user-friendly approach to financial wellness.

Cashflow Attributes

7,500+ pre-built attributes covering stability, affordability, and willingness to pay. Enhances your existing risk models without replacement.

Real-Time Analytics

Process and analyze cashflow data in real-time to make instant decisions on advance eligibility and amounts.

Seamless Integration

APIs designed for easy integration with existing Plaid connections. No disruption to your current user experience.

Risk Mitigation

Identify pre-delinquency signals and users taking on excessive debt across multiple platforms to protect your portfolio.

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

Ready to Scale Albert's Cash Advance Program?

Join leading fintechs using Pave to safely expand their advance programs while maintaining user trust and financial wellness.

Schedule Your Demo

30-minute personalized demo

Custom ROI analysis

Integration timeline discussion