Top Sites>CashFlow API & Credit Risk Analytics for Smarter Decisions | Pave

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# Pave

> Pave provides AI-powered cashflow analytics, attributes, and scoring infrastructure to help lenders make smarter, more inclusive credit decisions.

## Company Information

- [About Pave](https://www.pavefi.com/about)
- [How It Works](https://www.pavefi.com/how-it-works)
- [Contact Us](https://www.pavefi.com/contact)
- [Security Information](https://www.pavefi.com/security-information)
- [Privacy Policy](https://www.pavefi.com/privacy-policy)

## Products

### Cashflow Analytics

[Cashflow Analytics](https://www.pavefi.com/products/cashflow-analytics): Real-time insights into customers' financial health with over 90% transaction accuracy using human-in-the-loop models. Helps detect income sources, predict overdrafts, and identify rent payment history.

### Cashflow Scores

[Cashflow Scores](https://www.pavefi.com/products/cashflow-scores): Purpose-built predictive scores for specific lending categories including Cash Advance, Personal Loan, Small Dollar Loan, NSF, and SMB Charge Card scores.

### Cashflow Attributes

[Cashflow Attributes](https://www.pavefi.com/products/cashflow-attributes): Over 7,500 signals providing near-term insights into borrower stability, affordability, assets, and willingness to repay.

### Snowflake Integration

[Cashflow Analytics in Snowflake](https://www.pavefi.com/products/cashflow-analytics-in-snowflake): Direct integration with Snowflake data cloud for seamless analytics deployment.

## Use Cases

### Consumer Credit

- [Personal Loans](https://www.pavefi.com/use-cases/personal-loans)
- [Cash Advance](https://www.pavefi.com/use-cases/cash-advance)
- [Small Dollar Loans](https://www.pavefi.com/use-cases/small-dollar-loans)
- [Credit Cards](https://www.pavefi.com/use-cases/credit-cards)
- [Charge Cards](https://www.pavefi.com/use-cases/charge-cards)

### Case Studies

- [https://www.pavefi.com/case-studies](https://www.pavefi.com/case-studies/27-reduction-of-nsfs-for-leading-small-dollar-lender)
- [Increasing Cash Advance Amounts](https://www.pavefi.com/case-studies/cash-advance-provider-increased-amounts-by-74)
- [Increasing Approvals](https://www.pavefi.com/case-studies/higher-approvals-for-ualetts-cash-advance-program)

### Product updates

- [August 2025](https://www.pavefi.com/blog/august-product-updates)
- [July 2025](https://www.pavefi.com/blog/july-product-updates-enhanced-income-detection-and-improved-balance-accuracy)
- [June 2025](https://www.pavefi.com/blog/june-product-updates-enhanced-rent-analytics-and-expanded-transaction-insights)

## Resources

- [Blog](https://www.pavefi.com/blog)
- [Sitemap](https://www.pavefi.com/sitemap.xml)

## Key Metrics and Benefits

Pave helps financial institutions:

- Increase loan approvals by 45%
- Reduce Non-Sufficient Fund (NSF) fees by 27%
- Reduce defaults by 69%
- Identify healthy overlooked borrowers
- Expand credit access to 100+ million underserved consumers and businesses