1B+

monthly transaction and outcome events on the Pave network

10,000+

cashflow attributes, from unified bank, credit and performance data

2-3 weeks

from data to a measured read on your own book

changes to your credit policy to get started

Challenges Pave Solves

The ladder is the product.

BoostCash starts small and grows toward $500 as customers repay. Every step up is a credit decision: who climbs, how fast, and who should hold where they are. Move too slowly and good customers stall. Move too fast and the next advance doesn't come back.

The due date is a forecast.

Each advance is due on the customer's estimated next payday. If that paycheck lands late, comes in smaller, or doesn't arrive, the repayment fails on schedule. Underwriting the advance means predicting the next deposit and its date, not just whether one exists.

Every repayment is an ACH pull.

Repayment is collected automatically from the customer's account. A pull that returns costs fees, operations time and return-rate headroom, and it holds up the next advance, since one has to be repaid before another goes out.

Interest-free means no pricing cushion.

With no interest and no late fees, risk can't be priced back in after the fact. The levers are who gets approved, how much they get, and when you collect. Each one is a near-term call.

How Pave Fits What Upgrade Already Runs

Run a backtest

Works on data you already collect.

BoostCash customers link the account where their paycheck lands. Pave scores that same permissioned bank data. No new step in the customer flow.

Runs beside your current eligibility rules.

Pave scores alongside the decision you make today, so you can compare outcomes on the same customers and decide where the added signal earns a place. Nothing gets replaced to start.

One score at each decision point.

Advance sizing, limit increases, and the timing of each repayment pull can each run on a score built for that risk event, rather than one number reused across all three.

Delivered where your team works.

Scores and attributes by API, or as standardized cashflow data in your warehouse via Snowflake, so analysts can evaluate it with the tools they already query.

CASE STUDY

A US Consumer Cash Advance Lender

A US consumer cash advance lender replaced its per-retry balance check with Pave's ACH Risk Score, at 100% of retries within six weeks.

33% → 50%

share of submitted retries accepted for initiation

93%

of collections that would succeed, initiated on the first attempt

Why it matters for Upgrade: Every BoostCash repayment is an automatic pull timed to payday. The same score reads balance trajectory and paycheck cadence before each pull goes out, so collections land on the attempt most likely to clear. Read the case study →

Pave's Cashflow Scores for Upgrade

Cash Advance Score

Predicts whether the next advance is repaid on time, reading paycheck timing and cashflow volatility as they move. Built for sizing and limit-increase decisions on BoostCash.

ACH Risk Score

Scores each repayment pull before it goes out, so the attempt is timed to when it's most likely to clear.

Income Prediction

Predicts the next deposit and its date, so the due date is anchored to money that actually lands.

Cashflow Attributes

10,000+ stability, affordability and repayment signals, available as model inputs rather than a black-box score.

Credit Card Score

Reads current cashflow for credit line and early-deterioration decisions on card accounts.

Across the network

The same signal powers Pave's Personal Loan, BNPL and SMB ACH Risk Scores.

The Pave Impact

Why lenders choose Pave time and time again

Run a backtest

Proven before you commit

Near-term risk resolves in days and weeks, so we validate the lift on your own book in 2–3 weeks, before you change a line of policy.

Performance compounds with each risk event on the Pave network

Over 1 billion monthly transaction and outcome events feed back into our models, sharpening categorization, attributes and scores.

Customized for your book

We build a custom score around your borrowers and the specific risk event you're underwriting—no black box, no one-size-fits-all.

We become an extension of your risk team

We watch the lift, spot drift early, tune thresholds and ship new versions, finding improvements before you have to ask.

See it on your own advances before you change anything.

We'll run Pave's scores against your historical BoostCash advances and repayments and show you the lift on sizing, limit increases and collection timing. 2–3 weeks, no policy change, no new step for your customers.

Run a backtest

Scoped in one call

Measured against your current decision

No policy change to start