Everyone loves to hate on credit scores. 

They’re outdated, flawed, and boy, do they miss the bigger picture. 

They still dominate lending decisions though. Heck, they’re practically treated like a financial North Star. 

But here’s the thing—the light you’re seeing from that star? It’s millions of years old. A credit score works the same way, and that’s the problem—it’s just a number from the past. 

It tells you what someone did, not what they’re capable of doing.

What actually matters? Cash flow.

• Can someone afford their rent next month?
• Will their income cover loan payments?
• Can a small business survive a slow quarter?

Traditional credit models don't answer these questions. 

But Pave does.

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Why Lenders Trust Pave

✅ See Risk Before It’s Too Late
Traditional scores look backward. Pave predicts who will make their next payments, flagging income volatility and spending shifts before they turn into defaults.

✅ Tailored Scores for Each Credit Product
A charge card, a fuel card, and a personal loan each carry different risks—but generic scores treat them the same. Pave builds credit product-specific scores, trained on real loan performance, so lenders get the right insights for every type of financing.

✅ SMB Lending Needs Industry-Specific Scores
Underwriting small businesses is complex—seasonal swings, unpredictable expenses, fluctuating revenue. A trucking business doesn’t operate like a restaurant or an e-commerce startup, so one-size-fits-all models fail. Pave’s industry-specific SMB scores account for these nuances, helping lenders approve more good borrowers with confidence.

Pave doesn’t just analyze cash flow—it turns it into precise, predictive insights for smarter lending. Instead of static scores that reflect the past, Pave delivers real-time probability scores that show whether a borrower can make their next few payments.

Because risk varies by credit product, Pave builds tailored scores trained on performance data for each type of loan. A 670 FICO score might suggest ‘moderate risk,’ but it won’t tell you if that borrower’s income is stable, if their expenses are predictable, or if they’ve built enough cash flow resilience to handle new credit. Pave does.

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Why Lenders Love Pave 

Lenders don’t need more data—they need more precise predictions.

✅ See Risk Before It’s Too Late
Pave predicts who will make their next payments, flagging income volatility and spending shifts before they lead to defaults.

✅ Cash Flow Fills the Gaps Credit Reports Miss
A credit report won’t tell you if a borrower can afford new credit today. Pave’s probability scores use real-time cash flow trends for more precise risk assessment.

✅ SMB Lending, Simplified
One-size-fits-all underwriting doesn’t work. Pave delivers credit product- and industry-specific scores built on real loan performance and real-time bank transaction data. 

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Where Pave Delivers

🔹 Consumer Lending – By combining real-time bank transactions with credit reports, Pave predicts who will make their next four payments, helping lenders make more precise approval decisions.

🔹 SMB Financing – Traditional underwriting fails small businesses. Pave delivers credit product- and industry-specific scores, reducing friction and enabling faster and more automated decisions.  

🔹 BNPL & Alternative Credit –  Lenders offering short-term credit need real-time visibility into repayment ability.  Pave predicts a borrower’s next payments, helping lenders approve the right customers while lowering defaults.

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At Quiltt, we love working with fintechs that push the industry forward. Pave.dev is doing more than simply tagging and categorizing transactions—they’re changing how lending works.

If you’re still relying on old-school credit models, it’s time to upgrade. Let’s talk.

And if you’ve got thoughts, drop them below—let’s keep the conversation going.

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