--- title: Validate Cashflows with the Automated SMB Cashflow Statement description: We’re excited to introduce our new Automated SMB Cashflow Statement, available through our Dashboard or API for real-time credit decisioning. Why it matters Today, SMB lenders rely on often outdated and error-prone data (accounting data, financial statements, and tax data) to assess credit risk. Pave analyzes bank transactions for a real-time and highly accurate view […] --- [Skip to content](https://hs.pavefi.com/pave-blog/blog/validate-cashflows-with-the-automated-smb-cashflow-statement#main-content) Pave Financial, Inc. Open main navigation Close main navigation - [Contact us](https://hs.pavefi.com/pave-blog/blog/validate-cashflows-with-the-automated-smb-cashflow-statement#contact) [Contact us](https://hs.pavefi.com/pave-blog/blog/validate-cashflows-with-the-automated-smb-cashflow-statement#contact) Jul 2, 2024 4:27:42 AM # Validate Cashflows with the Automated SMB Cashflow Statement [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/validate-cashflows-with-the-automated-smb-cashflow-statement) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://hs.pavefi.com/pave-blog/blog/validate-cashflows-with-the-automated-smb-cashflow-statement) [Twitter icon](https://twitter.com/intent/tweet?url=https://hs.pavefi.com/pave-blog/blog/validate-cashflows-with-the-automated-smb-cashflow-statement) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://hs.pavefi.com/pave-blog/blog/validate-cashflows-with-the-automated-smb-cashflow-statement) [envelope icon](mailto:?body=https://hs.pavefi.com/pave-blog/blog/validate-cashflows-with-the-automated-smb-cashflow-statement) We’re excited to introduce our new Automated SMB Cashflow Statement, available through our Dashboard or API for real-time credit decisioning. ## Why it matters Today, SMB lenders rely on often outdated and error-prone data (accounting data, financial statements, and tax data) to assess credit risk. Pave analyzes bank transactions for a real-time and highly accurate view of the SMB’s cashflows. ![](https://hs.pavefi.com/hs-fs/hubfs/Imported_Blog_Media/Group-794-Oct-17-2024-09-24-26-2355-PM.png?width=1024&height=455&name=Group-794-Oct-17-2024-09-24-26-2355-PM.png) ## Use Cases - **Automate underwriting:** Improve credit risk decisions with up-to-date cashflow data. - **Validate cashflows**: Confirm the accuracy of business inflows and outflows. - **Assign credit limits**: Set credit limits based on real-time financial health. ## Key Benefits Bank transaction data is a source of truth – the most real-time and reliable source of information to assess the health of a business. **Enhanced Credit Assessment** Gain up-to-date insights into financial health for more accurate evaluations. **Real-Time Monitoring** Proactively manage risks with continuous tracking. **Operational Efficiency** Automate processes to reduce manual effort and costs.   For a detailed overview, watch our video here: [https://www.loom.com/share/729816eff1c54ef79081b0c1f513582d?sid=6c33815d-2fbc-4596-a178-fdd1718dc6f5](https://www.loom.com/share/729816eff1c54ef79081b0c1f513582d?sid=6c33815d-2fbc-4596-a178-fdd1718dc6f5)  ## How it works - **Transaction Mapping:** Each transaction is mapped to a master category. - **Categorization:** These include Revenue, Operating Expense, Investing Activity, Financing Activity, and Transfers. - **Detailed Breakdown:** Each master category is further divided into detailed categories. For example, Operating Expenses includes Payroll, Rent, Entertainment, Utilities, etc. - **Integration:** Easily integrate these insights into your credit decisioning workflows via API or CSV download. Our analytics cover both businesses and personal guarantors, depending on your use case. Plus, you can embed these analytics into your own workflows. Let us know if you’d like access at **api@pave.dev**! [Product Features](https://hs.pavefi.com/pave-blog/tag/product-features) ## Related posts [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) ## [Announcing the new SMB Cashflow API](https://hs.pavefi.com/pave-blog/blog/announcing-the-new-smb-cashflow-api) [Amelia Chikota](https://hs.pavefi.com/pave-blog/author/amelia-chikota) May 10, 2024 5:30:28 AM We’re excited to release the SMB Cashflow API. This API helps output an SMB cashflow statement in a... [Read more](https://hs.pavefi.com/pave-blog/blog/announcing-the-new-smb-cashflow-api) [![](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/the-future-of-credit-scoring-and-how-to-assess-cashflow-scores) [Data Insights](https://hs.pavefi.com/pave-blog/tag/data-insights) ## [The Future of Credit Scoring and How to Assess Cashflow Scores](https://hs.pavefi.com/pave-blog/blog/the-future-of-credit-scoring-and-how-to-assess-cashflow-scores) [Alain Shema](https://hs.pavefi.com/pave-blog/author/alain-shema) Aug 5, 2024 8:25:24 AM As new credit risk scores emerge, there’s a growing promise of better insights and predictive... [Read more](https://hs.pavefi.com/pave-blog/blog/the-future-of-credit-scoring-and-how-to-assess-cashflow-scores) [![](https://hs.pavefi.com/hs-fs/hubfs/Imported_Blog_Media/Group-798-Oct-17-2024-09-26-02-4219-PM.png?height=200&name=Group-798-Oct-17-2024-09-26-02-4219-PM.png)](https://hs.pavefi.com/pave-blog/blog/pave-dev-and-effectiv-partner-to-enhance-risk-decisioning-with-real-time-cashflow-analytics) [Partnerships](https://hs.pavefi.com/pave-blog/tag/partnerships), [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 Effectiv Partner to Enhance Risk Decisioning with Real-Time Cashflow Analytics](https://hs.pavefi.com/pave-blog/blog/pave-dev-and-effectiv-partner-to-enhance-risk-decisioning-with-real-time-cashflow-analytics) [Amelia Chikota](https://hs.pavefi.com/pave-blog/author/amelia-chikota) Jul 8, 2024 12:06:49 AM We’re thrilled to announce our partnership with Effectiv, a leading credit and fraud decisioning... [Read more](https://hs.pavefi.com/pave-blog/blog/pave-dev-and-effectiv-partner-to-enhance-risk-decisioning-with-real-time-cashflow-analytics) 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" : "2024-10-17T21:31:31.935Z", "datePublished" : "2024-07-02T11:27:42.000Z", "headline" : "Validate Cashflows with the Automated SMB Cashflow Statement", "mainEntityOfPage" : { "@id" : "https://hs.pavefi.com/pave-blog/blog/validate-cashflows-with-the-automated-smb-cashflow-statement", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://hs.pavefi.com/hubfs/PaveLogo-t.png" }, "name" : "Pave Financial, Inc" } } ```