Credit Cards
Dynamically adjust credit limits with Cashflow-driven Attributes and Scores that leverage real-time data for more informed risk decisions.
Drive Growth with Predictive Cashflow-Driven Credit Limit Increases
Leverage real-time Cashflow Analytics to enhance account monitoring across credit tiers and set credit limits aligned with user affordability.
Safely Increase Credit Limits with Cashflow Scoring
Identify users who have demonstrated they can repay higher limits based on healthy cashflows across income, balances, liabilities, and more, to raise revolving credit line limits.
Align Payment Schedules with Cashflow Insights
Identify multiple income streams and align the scheduled payment date with when users have funds, reducing NSFs and building trust.
Real-Time Cashflow Monitoring for Better Limit Decisions
Track real-time income stability, spending, and financial health to adjust loan amounts, foster growth, and proactively mitigate risks before they impact your portfolio.
Improve Risk Models for Credit Limit Increase Decisions
Enhance proprietary models with Cashflow-driven Attributes and Scores to more accurately assess borrower affordability, identify healthy borrowers, and unlock new segments.
Identify Pre-Delinquency Triggers with Cashflow Signals
Surface risky behaviors from cashflow data like users falling behind on loan payments, loan stacking, and frequent chargebacks or returns.
Lower acquisition and origination costs
Strategically target existing customers demonstrating increased affordability for credit or refinancing offers.
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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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.
More Use Cases
Cash Advance
Score users to increase approvals, advance amounts, and improve repayments.
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.
