Supercharge Your Marketplace Revenue with Real-Time Cashflow Analytics

Address your biggest challenges:

Bank investor hesitation, marketplace pricing pressure, and credit risk optimization

Schedule Your Demo
WATCH
How Pave helps marketplace lenders like LendingClub rebuild institutional investor confidence and increase loan sales pricing
45%
Increase in Approvals
27%
Reduction in NSFs
74%
Higher Advance Amounts
18%
Increase in Approvals

Challenges Pave Solves

Bank Marketplace Participation Down
Bank investors remain hesitant despite recent returns. You need stronger data to demonstrate loan quality and rebuild institutional confidence in your marketplace.
Loan Sales Pricing Pressure
Bank investors remain hesitant despite recent returns. You need stronger data to demonstrate loan quality and rebuild institutional confidence in your marketplace.
Balance Sheet vs Marketplace Revenue
43% of loans now go to structured certificates vs 17% whole loan sales. You need to optimize mix between balance sheet retention and marketplace sales.
Credit Model Enhancement Needs
With $100B+ in originations, you have vast historical data but need real-time insights to stay ahead of competitive fintech lenders using cashflow analytics.

How Pave Can Transforms LendingClub's Business

Schedule Your Demo
Rebuild Bank Investor Confidence

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

Command Premium Pricing

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

Optimize Portfolio Mix

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

Accelerate Origination Growth

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

CASE STUDY

Top 10 Cash Advance Provider

Similar marketplace lender used Pave's Cash Advance Score to transform their business model

74%
Higher advance amounts for high-scoring users
18%
Net revenue increase
13%
Default rate reduction
43%
Fewer advances to high-risk users

Pave's Cashflow Analytics for LendingClub

Personal Loan Score
Predict likelihood of first 4 payments with 90%+ accuracy using real-time cashflow data
Cashflow Attributes
7,500+ stability, affordability, asset, and willingness signals from unified data sources
Income Prediction Model
Align payment schedules with borrower payday to reduce NSFs by 27%
Snowflake Integration
Seamless access to standardized cashflow data within your existing analytics infrastructure
Real-Time Analytics
Monitor account health and adjust strategies before delinquency occurs
Unified Data Sources
Combine bank transactions, credit reports, and loan performance data for complete borrower view

Ready to Rebuild Your Marketplace Revenue?

Most lenders excel at predicting defaults but miss out on good borrowers. Pave’s models, trained on a diverse data from 20M+ borrowers, help lenders identify and approve healthy overlooked borrowers, driving growth and expanding their reach.

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