SMB Charge Card Score
Every statement is a near-term risk decision. Score it like one.
A charge card is due in full every cycle. The SMB Charge Card Score predicts whether a business will pay its next statement, using its operating cashflow: revenue cadence, deposit volatility and runway. Use it to set limits on the business as it is this week.
Sharpened by 1B+ monthly transaction and outcome events on the Pave network.
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A charge card asks for the full balance every cycle. That makes it the shortest feedback loop in business credit, and the least forgiving.
Set the limit too tight and your best businesses move their spend elsewhere. Set it too loose and one bad month becomes a statement nobody pays.
Underwrite the business on its own cashflow
Two businesses in the same industry, open the same number of years, can be in very different shape. Pave reads revenue cadence, deposit volatility, AR/AP rhythm and runway from business bank data, and predicts whether the next statement gets paid.
Move limits as the business moves
Charge card risk changes between statements, not between annual reviews. Re-score the business on fresh cashflow to raise limits for accounts growing into them, and tighten before a bad month turns into a missed statement.
Score the statement pull before it goes out
When the statement autopays by ACH, a return costs you the payment, a fee and a mark against your return rate. Pave reads AR/AP timing, batch behavior and NSF patterns, and scores the pull before you submit it.
Proof on your book
Don’t take our word for it. A statement resolves in weeks.
Because the risk event lands within a cycle or two, a backtest on your own history shows whether the score works before you change anything.
Accounts, limits, statements and repayment outcomes.
We report lift over your current decision, not standalone performance.
See where it separates risk inside the accounts you already approve, with no policy change.
How it works
An SMB Charge Card Score built on your program
Pave trains the score on your businesses, your statement cycle and your repayment outcomes. Your team can review every feature that goes into it.
Your accounts, statements and repayment results become the training data.
Tuned to your repayment schedule and the risk event you care about.
We show the effect on limits, losses and approvals before you go live.
We track the model’s performance after launch and retrain it when your book changes.
See it on your own program.
Send us past accounts and statements with their outcomes. We’ll score them and show how your limits, losses and approvals would have changed.