Elevateyour lending
performance

Unlock smarter credit risk, faster growth and stronger margins

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SEE HOW IT WORKS

Expand your lending potential with smarter credit risk

Carrington Labs provides plug-and-play credit risk analytics that integrate into your existing systems—helping you lend more confidently, price more effectively, and manage credit risk across the entire borrower lifecycle.
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Increase loan approvals

Assess credit risk more accurately and approve more loans with confidence, including thin- and no-file borrowers.

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Optimize pricing

Unlock optimal loan/line amounts and risk-based pricing to reduce default risks and drive higher returns

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Monitor portfolio

Prevent lossses and uncover new opportunities with early risk signals and proactive line management.

Who we work with
LendAPI logoTaktile logoLendAPI logoBeforepay logoKiva logoLendAPI logoTaktile logoLendAPI logoBeforepay logoKiva logo
solutions

Make more accurate, transparent and inclusive lending decisions

Our advanced models use a wide range of data, including traditional bureau data and open banking transaction data, to deliver product-specific credit risk insights and recommendations tailored to your business objectives.

Our platform provides simple, plug-and-play solutions to improve performance at any stage of the borrower lifecycle.
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Cashflow Score

A fast, bureau-style credit risk measure based solely on transaction data.

Credit Risk Model

Tailored credit risk scoring, built around your products and lending strategy.

Credit Offer Model

Recommendations for how much to lend and at what price optimized to your financial goals.

Financial Health Summary

Real-time borrower insights to monitor financial behavior and drive proactive credit risk management.

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See how Carrington Labs

fits into your lending processes

REQUEST A DEMO

Solutions

Cashflow scorecredit risk modelCredit offer modelfinancial health summary

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Contact

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Carrington Labs is a registered business of Beforepay Group Limited, Suite 9.01, 77 Castlereagh Street, Sydney NSW 2000. Copyright © 2025 Beforepay Group Ltd, ABN: 63 633 925 505. Terms and conditions apply. New customers are subject to eligibility criteria.

This service is not currently offered in  China, Russia or Taiwan. If you are interested in our solution, please contact us at hello@carringtonlabs.com

Beforepay Group Limited and its Beforepay goods and services are in no way sponsored, approved or affiliated with Quadpay Inc., Openpay Pty Ltd, Afterpay Pty Ltd, ZipMoney Payments Pty Ltd and their associated entities/affiliated companies.
CASE STUDY

Powering speed and efficiency in lending

See how our risk models and loan management technology have been used to originate more than 4 million loans through consumer lender, Beforepay.
see case study