Pave is a financial technology company with a specialism in underwriting and lending to those with limited credit history. The company was founded in 2012 with the mission of democratizing access to credit through technology. Having witnessed the financial crisis in 2008 and the subsequent pull back in lending from the banks we saw how difficult it was for those with limited credit history to obtain any type of consumer financing. During the past five years, Pave has funded more than 1,600 individuals with limited credit history with a total value of approximately $22 million. Pave has developed deep specialist knowledge in what it takes to underwrite and lend to underserved segments of the population such as immigrants and younger borrowers. With this expertise Pave has developed a new user driven credit profile that solves the asymmetry of information issue between borrowers and lenders. The new global credit profile (“GCP”) is a culmination of all of Pave learnings and combines technological expertise with consumer credit experience.