--- title: Announcing the new SMB Cashflow API description: "We’re excited to release the SMB Cashflow API. This API helps output an SMB cashflow statement in a few seconds using bank transaction data, allowing SMB lenders to more efficiently underwrite, score leads, and provide personalized product offerings. Why this Matters Expanding our focus to SMB markets addresses a critical gap: small businesses are often […]" --- [Skip to content](https://hs.pavefi.com/pave-blog/blog/announcing-the-new-smb-cashflow-api#main-content) Pave Financial, Inc. Open main navigation Close main navigation - [Contact us](https://hs.pavefi.com/pave-blog/blog/announcing-the-new-smb-cashflow-api#contact) [Contact us](https://hs.pavefi.com/pave-blog/blog/announcing-the-new-smb-cashflow-api#contact) May 10, 2024 5:30:28 AM # Announcing the new SMB Cashflow API [Amelia Chikota](https://hs.pavefi.com/pave-blog/author/amelia-chikota) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://hs.pavefi.com/pave-blog/blog/announcing-the-new-smb-cashflow-api) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://hs.pavefi.com/pave-blog/blog/announcing-the-new-smb-cashflow-api) [Twitter icon](https://twitter.com/intent/tweet?url=https://hs.pavefi.com/pave-blog/blog/announcing-the-new-smb-cashflow-api) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://hs.pavefi.com/pave-blog/blog/announcing-the-new-smb-cashflow-api) [envelope icon](mailto:?body=https://hs.pavefi.com/pave-blog/blog/announcing-the-new-smb-cashflow-api) We’re excited to release the SMB Cashflow API. This API helps output an SMB cashflow statement in a few seconds using bank transaction data, allowing SMB lenders to more efficiently underwrite, score leads, and provide personalized product offerings. ## Why this Matters Expanding our focus to SMB markets addresses a critical gap: small businesses are often significantly underserved by traditional financial institutions. Fintech innovations, particularly those aimed at SMBs, are now driving the market by offering solutions like payments, lending, and commerce enablement tailored to their unique needs (Alex Johnson has a great breakdown [here](https://fintechtakes.com/articles/2024-05-03/merchants-future/)). A staggering [80% of SMBs rely on P2P loans](https://tearsheet.co/podcasts/where-credits-due-ep-2-how-paypal-and-square-use-data-and-speed-to-drive-growth-in-smb-lending/), driven by a void in traditional banking services that fail to recognize their creditworthiness due to a lack of conventional credit data. This gap is where [nonbank lenders are stepping in](https://www.linkedin.com/feed/update/urn:li:activity:7146251733369831424), using cashflow underwriting to broaden access for these underserved businesses. Companies like Square are offering more accessible loans to SMBs that large banks typically overlook, especially for minority and women-owned businesses.  Our SMB Cashflow API supports this shift, enhancing risk assessment and fostering inclusivity by expanding access to credit for SMBs. Lenders leveraging cashflow analytics through partners like Pave allows them to effectively to personalize financial solutions based on a business’ cashflows. It’s not just about offering loans; it’s about empowering SMBs to manage their finances proactively, and SMB lenders to better understand their borrowers through detailed, real-time financial insights.  ## Use Cases Pave’s SMB Cashflow API is used for: - **Lead Scoring:** Identify high value customers to be prioritized by sales teams - **Underwriting:** Make automated loan and payments risk decisions - **Personalized Product Offerings:** Make targeted offers to upsell additional products ## Use Cases we enable on the business owner/personal guarantor side - Underwriting the personal guarantor based on their cashflows and liabilities - Reducing fraud risk by surfacing behaviors like frequent returned payments to flag high-risk users ## Use Cases for underwriting the business owner and the business - Determining where your company sits in the debt repayment tier based on a business or business owner’s [Liabilities](https://docs.pave.dev/insights/liabilities/) - Identifying merchant cash advances and other types of SMB loans  - Developing a cashflow statement depending on what type of business it is (eg. restaurant)  - Predicting likelihood of payment on short term advances & loans  - Distinguishing between personal income & expenses and business revenue & expenses - Reduce fraud, ACH, and chargeback risk by surfacing behaviors like returned payments to flag high-risk users. ## SMB Cashflow Statement To build a business cashflow statement we’re mapping our tags into 5 major categories: - **Income:** Sales, returns, interest income, and other revenue sources. - **Operating Expenses:** Costs related to the day-to-day operations, like rent, utilities, payroll, and supplies. - **Investing Activities:** Purchases or sales of assets, like equipment or property. - **Financing Activities:** Loans, repayments, and equity transactions. - **Bank Transfers/Assets:** activity going in and out to other banks ## Here are some FAQs to get you started! **What does the endpoint return?** For each transaction, the endpoint identifies the standard accounting master category (e.g. Operating Expense, Investing Activity, Financing Activity, etc.) and a more detailed category (e.g. Payroll, Rent, Utilities). **How do I call the endpoint?** You can call the endpoint by calling GET /v1/smb/{user\_id}/transactions. Can I see the transactions for a specific period of time? If you want to see transactions for a specific period of time, you can pass in start\_date and end\_dates and receive a response with only the transactions between those dates. [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [equitable finance](https://hs.pavefi.com/pave-blog/tag/equitable-finance), [fintech](https://hs.pavefi.com/pave-blog/tag/fintech), [cashflow insights](https://hs.pavefi.com/pave-blog/tag/cashflow-insights) ## Related posts [![](https://hs.pavefi.com/hs-fs/hubfs/Imported_Blog_Media/blog-hero.jpg?height=200&name=blog-hero.jpg)](https://hs.pavefi.com/pave-blog/blog/pave-dev-and-taktile-partner-to-automate-smb-credit-underwriting) [Partnerships](https://hs.pavefi.com/pave-blog/tag/partnerships), [equitable finance](https://hs.pavefi.com/pave-blog/tag/equitable-finance), [fintech](https://hs.pavefi.com/pave-blog/tag/fintech), [cashflow insights](https://hs.pavefi.com/pave-blog/tag/cashflow-insights), [Announcements](https://hs.pavefi.com/pave-blog/tag/announcements) ## [Pave.dev and Taktile Partner to Automate SMB Credit Underwriting](https://hs.pavefi.com/pave-blog/blog/pave-dev-and-taktile-partner-to-automate-smb-credit-underwriting) [Amelia Chikota](https://hs.pavefi.com/pave-blog/author/amelia-chikota) Aug 1, 2024 12:50:00 AM We’re thrilled to announce our partnership with Taktile, a next-generation decision platform with... [Read more](https://hs.pavefi.com/pave-blog/blog/pave-dev-and-taktile-partner-to-automate-smb-credit-underwriting) [![](https://hs.pavefi.com/hs-fs/hubfs/Imported_Blog_Media/Models-Attributes-Medium-Oct-17-2024-09-29-56-4774-PM.png?height=200&name=Models-Attributes-Medium-Oct-17-2024-09-29-56-4774-PM.png)](https://hs.pavefi.com/pave-blog/blog/new-attributes-on-reversed-payments-loan-payment-timeliness-balances-and-expenditure-trends) [attributes](https://hs.pavefi.com/pave-blog/tag/attributes), [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [fintech](https://hs.pavefi.com/pave-blog/tag/fintech), [cashflow insights](https://hs.pavefi.com/pave-blog/tag/cashflow-insights) ## [New Attributes on Reversed Payments, Loan Payment Timeliness, Balances, and Expenditure Trends](https://hs.pavefi.com/pave-blog/blog/new-attributes-on-reversed-payments-loan-payment-timeliness-balances-and-expenditure-trends) [Amelia Chikota](https://hs.pavefi.com/pave-blog/author/amelia-chikota) Apr 26, 2024 5:08:47 AM This month, we added 140 new Attributes to our Cashflow Attributes API. These Attributes provide... [Read more](https://hs.pavefi.com/pave-blog/blog/new-attributes-on-reversed-payments-loan-payment-timeliness-balances-and-expenditure-trends) [![](https://hs.pavefi.com/hs-fs/hubfs/Imported_Blog_Media/Scoring-Light-Oct-17-2024-09-29-53-5125-PM.png?height=200&name=Scoring-Light-Oct-17-2024-09-29-53-5125-PM.png)](https://hs.pavefi.com/pave-blog/blog/get-a-real-time-view-of-affordability-with-the-user-cashflow-dashboard) [bill tracking](https://hs.pavefi.com/pave-blog/tag/bill-tracking), [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features), [fintech](https://hs.pavefi.com/pave-blog/tag/fintech), [cashflow insights](https://hs.pavefi.com/pave-blog/tag/cashflow-insights) ## [Get a Real-Time View of Affordability with the User Cashflow Dashboard](https://hs.pavefi.com/pave-blog/blog/get-a-real-time-view-of-affordability-with-the-user-cashflow-dashboard) [Amelia Chikota](https://hs.pavefi.com/pave-blog/author/amelia-chikota) Jan 22, 2024 5:01:11 AM By popular demand, we’ve launched our User Cashflow Dashboard! It gives you a real-time glimpse... [Read more](https://hs.pavefi.com/pave-blog/blog/get-a-real-time-view-of-affordability-with-the-user-cashflow-dashboard) facebook-f icon linkedin-in icon Twitter icon instagram icon - Menu Item 1 - Sub-menu Item 1 - Another Item - Sub-menu Item 2 - Menu Item 2 - Yet Another Item - Menu Item 3 - Menu Item 4 --- # Pave Financial, Inc. 123 Main Street, City, State 11111 Copyright © 2026, Pave Financial, Inc ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Amelia Chikota", "url" : "https://hs.pavefi.com/pave-blog/author/amelia-chikota" }, "dateModified" : "2024-10-17T21:32:28.326Z", "datePublished" : "2024-05-10T12:30:28.000Z", "headline" : "Announcing the new SMB Cashflow API", "mainEntityOfPage" : { "@id" : "https://hs.pavefi.com/pave-blog/blog/announcing-the-new-smb-cashflow-api", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://hs.pavefi.com/hubfs/PaveLogo-t.png" }, "name" : "Pave Financial, Inc" } } ```