Elevateyour lending
performance

Unlock faster growth and stronger margins using advanced credit risk technology.
BOOK A DEMOSEE HOW IT WORKS

Expand your lending potential with smarter credit risk

Gain real-time credit risk insights that help you approve the right borrowers, reduce defaults, and optimize portfolio growth—all through a seamless API integration.
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Increase loan approvals

Approve more loans with confidence. Leverage both traditional and open banking data for a more accurate, transparent, and holistic view of applicants.

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Minimize delinquencies

Reduce default risk with advanced analytics. Gain a fuller picture of creditworthiness and default elasticity to inform your lending decisions and set value-maximizing loan limits.

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Strengthen lending margins

Improve profitability with a sharper view of credit risk. Uncover new opportunities to drive meaningful commercial outcomes with our tailored recommendations.

solutions

Implement tailored credit risk solutions built for modern lending

With Carrington Labs, you can make more accurate, transparent and inclusive lending decisions that fuel growth while minimizing risk.

Our advanced models combine traditional data, such as bureau and application data, with open banking transaction data to deliver product-specific credit risk insights and loan limit recommendations bespoke to your business objectives.

Here's what you can expect from our solutions.

Credit risk scoring

Product-specific borrower credit risk score optimized towards the probability of default percentage.

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Loan limit recommendations

Value-maximizing limits and price optimization for each borrower and product based on default elasticity analysis.

Financial health summary

A snapshot of a borrower’s overall financial health and cash flow.

Integrated insights

Actionable insights that can be integrated into your existing origination and scorecard solutions to inform decision-making.

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.