Pave Financial

Pave Financial is a comprehensive financial technology platform designed to provide cashflow intelligence, enabling risk teams to make informed lending decisions. The app is focused on helping users identify healthy borrowers, optimize credit limits, and improve collections outcomes using AI-powered tools.

The platform features several key products:
- Cashflow Analytics: Offers real-time insights into a user's income, expenses, and liabilities. It supports automated underwriting and risk assessment by detecting income sources, unifying bank data with credit reports, and accurately identifying rent payments.
- Attributes: Provides additional metrics and characteristics of borrowers to enhance risk modeling.
- Scores: Generates scores based on cashflow and affordability signals, which can be integrated into existing risk assessment frameworks.

Pave's tools allow users to automate data processes, scale their data infrastructure efficiently, and improve the accuracy of lending decisions, ultimately reducing defaults. The platform is suitable for various financial products, such as cash advances, small dollar loans, and credit cards. Users can access the platform through secure APIs and utilize its features to enhance their lending workflows.