Cash Advance

Increase approvals, advance amounts, and net revenue with Pave’s Cashflow-driven Attributes and Cash Advance Score. Predict the likelihood of cash advance repayments, driving growth by identifying new healthy borrowers and expanding into new segments.

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Applications

Emergency Loans

Overdraft Protection

Micro Loans

Overdraft Line of Credit

Debt Consolidation Loans

Peer-to-Peer (P2P) Loans

Installment Loans

smarter Decisions

Increase Growth with Cash Advance Scoring and Advanced Underwriting Insights

Identify users who have capacity and need for advanced paychecks with Pave’s Cash Advance Score and Attributes.

Safely Increase Cash Advance Amounts with Better Scoring

Identify users who have demonstrated they can repay higher amounts with other providers, allowing you to offer larger advances confidently.

Align Payment Dates to Improve Cash Advance Underwriting

Identify multiple income streams and align the scheduled payment date with when users have funds, reducing NSFs and building trust.

Proactively Identify Risky Users for Cash Advance Decisions

Surface behaviors from cashflow data like cash advance defaults, loan stacking, and frequent chargebacks to flag high-risk users.

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Explore More Products

Cashflow Scores

Offer higher amounts and drive growth with our Cashflow Scores, built on Cashflow Attributes and repayment history. Increase approvals and retention by identifying healthy, underserved borrowers.

Cashflow Attributes

Drive lift in your risk models to boost approvals with thousands of pre-built attributes built on our expansive loan performance dataset.

Cashflow Analytics

Automate processes to increase approvals and serve more borrowers using Pave’s real-time Cashflow Analytics. Streamline operations and identify healthy, underserved borrowers.

Cashflow Analytics in Snowflake

Gain seamless access to cashflow data within Snowflake to enhance analysis and decision-making. Leverage Pave’s standardized tables, updated daily, to uncover insights without complex ETL.

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Cash Advance Scoring & Underwriting Powered by Cashflow Analytics

Tailor cash advance underwriting decisions using predictive cashflow analytics to assess repayment ability, reduce risk, and improve approval outcomes.

Optimize Cash Advance Repayments with Smarter Scoring

Align payment dates with users’ income dates using our Income Prediction Model to ensure your app’s payment is prioritized on the day they receive their income.

Increase Cash Advance Limits with Predictive Underwriting

Leverage repayment history from other providers to offer higher advances to existing users with need and capacity for advanced paychecks, using Pave’s Cash Advance Score.

Capture Market Share with Advanced Cash Advance Underwriting

Detect cash advance usage from other providers with Pave’s Liabilities Endpoint for precise targeting and timely offers.

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Drive growth with Cashflow-driven Analytics

Use our Cashflow-driven Attributes and Scores to provide timely, borrower-specific insights tailored to your lending criteria. Make informed decisions that enhance approval rates and loan performance.

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More Use Cases

Personal Loans

Identify users with high likelihood of making the first 4 payments to reduce delinquencies.

Small Dollar Loans

Predict repayment likelihood for the first 4 payments to reduce defaults.

Charge Cards

Graduate users to higher secured or unsecured limits based on increased affordability.

Credit Cards

Set dynamic credit limits based on users' income and affordability.