Pave

We're excited to partner with LendAPI to help launch and scale a new Texas-based personal lender using cashflow analytics to get thousands of consumers the funding they need when they need it. ?? Big shoutout to the teams at LendAPI, Chirp Digital, and all the partners making this possible. Here’s to more innovation in lending. #CashflowUnderwriting #Fintech #LendingInnovation #OpenBanking #EmbeddedFinance #Lending #CreditRisk

"We just need better borrowers." It’s what too many revenue-based financing lenders tell themselves when charge-offs pile up. But let’s be real—the problem isn’t bad borrowers. The problem is inaccurate underwriting. Take Michael. He owns a growing e-commerce business. Sales are booming, his payroll is steady, and his account balances are healthy. But when he got a $20K revenue-based financing option, his payments were set on a fixed daily schedule. The lender never checked: ? How his revenue fluctuates seasonally. ? How much of his cashflow is tied up in pending invoices. ? Whether he had upcoming bulk expenses. Six weeks later? A cash crunch. He missed a payment, and the lender flagged him as high risk—despite his strong fundamentals. ?? THIS is one reason why default rates are so high. Lenders focus solely on historical credit data instead of supplementing with real-time cashflow insights. For underwriting that actually aligns with how businesses operate, lenders need to: ? Use bank transaction data to detect cashflow cycles and set repayment terms accordingly. ? Identify liquidity risks early so borrowers aren’t set up to fail. ? Move beyond credit scores—they weren’t built for RBF risk assessment. ?? MCA lenders don’t need “better borrowers.” They need better underwriting. And the ones who get this right? They’ll fund more businesses while keeping losses in check. If this sounds like you,? let’s chat. ?? Image courtesy of Drip Capital #AlternativeData #CashflowUnderwriting #revenuebasedfinancing #RBF #FintechLending #merchantcashadvance #MCA #workingcapital #businesslending #smallbusiness

Best way to describe Fintech Meetup: high-quality meetings. This is a must-attend conference for Pave that gets better every year!? Some of the best conversations happened in the hallways, over coffee, or in those last few minutes before the next session. We were able to spend time with customers and partners and dig into how cashflow analytics is supercharging embedded lending, SMB credit risk, SMB financing marketplaces, and optimizing risk across the loan lifecycle. Huge thanks to everyone who made time to chat. If we didn’t get a chance to connect, let’s fix that –? send us a message! And of course, thanks Fintech Meetup?Totavi, LLC HSBC This Week in Fintech Fundbox Stifel Bank Deciens Capital Citi for bringing us all together! #Fintech #Networking #Innovation #fintechmeetup #FintechInnovation? #Finance #Tech

Pave will be sponsoring fintech pickleball tournaments ?? ??

[Fintech Meetup update] Day 3 is on it’s way. I made it to the breakfast today and was able to catch a great session on the community stage. Yesterday had a 100% show rate on my 10 meetings which were all very valuable. Now listening to the conversation on the main stage by Sanjib Kalita with Stripe and Newline? by Fifth Third. Great mix of meetings, content and networking events. #FTMU2025 #Fintech #Connections Pave Launchpad Capital Deciens Capital HSBC Innovation Banking Dan Allred Lindsay Fitzgerald Vesey Ventures Daniel Kimerling Ryan Gilbert

Day 1 & Day 2 at Fintech Meetup have been packed!? Here’s what it’s been like so far: ? One big industry reunion ? High-quality meetings, low selling ? Real curiosity—people are here to learn, not just pitch ? Vertical lending is everywhere—it’s in almost every conversation ? More collaboration, less competition—fintechs are building together Looking forward to tonight’s happy hours and dinners! Big thanks to This Week in Fintech Acrew Capital Stifel Bank Citi Fundbox Baselayer and others for bringing everyone together so far! Great to catch up?in person with Spinwheel LendAPI Timothy Li Ualett Jay Millard Super.com Akshay K., Erik Tillberg True Finance Tim Yelchaninov Darren Cope Quiltt Mark Bechhofer Charles Taylor, CFA Visa Dhruv Gupta If you're here, let’s connect! #fintechmeetup #cashflowunderwriting #openbanking #cashflowanalytics

Thinking ahead to Fintech Meetup this week—let’s talk about what really matters in lending. Credit scores? They’re a relic, a Polaroid in an era of live-streaming. Like using a rearview mirror to drive forward—outdated, incomplete, and blind to the future. Cash flow is king. It tells you who can actually pay their bills tomorrow—not just who paid them two years ago. That’s why I'm excited to meet with Ema Rouf and the team at Pave. They’re not just tagging transactions; they’re rewriting the rules of lending with real-time, product-specific risk insights that actually predict repayment. It’s the kind of smarter decisioning we love to support at Quiltt. If you’re still underwriting like it’s 2010, it’s time for an upgrade. DM me—let’s talk shop. More on why we’re excited about Pave ?? https://lnkd.in/gpcjS6tU #OpenBanking #Fintech #CashFlow #Enrichment #Lending

I'll be on stage at Fintech Meetup and addressing the state of Fintech capital markets alongside Ryan Gilbert, Lindsay Fitzgerald, Daniel Kimerling, and Ema Rouf. Come join us! See you in Vegas.

The funding and valuation landscape is shifting – what does that mean for fintech founders and investors? Daniel Kimerling will be tackling that question next week at Fintech Meetup alongside Lindsay Fitzgerald (Vesey Ventures), Ema Rouf (Pave.dev), and Dan Allred (HSBC). If you're attending, grab a seat and join the conversation. P.S. It’s Daniel Kimerling's birthday today! Extra reason to stop by and say hello in Vegas. ??

Cashflow data + credit reports = better near-term risk assessment Lenders leave approvals on the table when they rely on credit reports alone. Cashflow data fills the gaps, providing a real-time view of financial health that credit reports miss. Together, they help lenders approve more of the right borrowers ? ?? Debt payoff velocity – Two applicants have the same credit card balance. One is aggressively paying it down, the other is making minimum payments. Cashflow data ?? updates repayment behavior in real time, helping lenders approve those with strong financial habits faster. ?? Early risk signals – Delinquencies take weeks to show up on a credit report ??. Cashflow data detects missed payments and declining balances immediately, helping lenders approve borrowers with low near-term risk while adjusting offers for others. ?? Thin credit, strong cashflow – A borrower with little credit history but steady income ??, regular bill payments, and no overdrafts shouldn’t be declined. Cashflow data helps lenders confidently approve them. ?? High utilization, strong repayment – A small business has a maxed-out credit line but predictable incoming payments ??. Cashflow data shows they reliably pay down balances, meaning they qualify for better terms. ?? Better scoring, better approvals – One lender eliminated six different data sources because cashflow data outperformed traditional credit bureau data. Using both allows for more precise underwriting and higher approvals. ?? Credit reports show the past. Cashflow data shows the present. Lenders using both approve more good borrowers without taking on unnecessary risk. #creditrisk #cashflowunderwriting #lending #riskmanagement #smblending #smallbusinesslending