Elevateyour lending
performance

Unlock smarter credit risk, faster growth and stronger margins

BOOK A DEMOSEE 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.

solutions

Modernize your lending with bespoke credit risk management solutions

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.

Our platform provides simple, plug-and-play solutions to elevate performance at any stage of your lending process.

Cash flow and credit risk underwriting score

Product-specific, quantified measure of default probability to holistically assess credit risk based on your financial targets.

Financial health summary

A view of the strongest predictors of credit risk for borrowers and portfolio to spot early risk signals and take proactive action.

Limit and pricing recommendations

Recommendations that optimize pricing to drive margin growth based on default elasticity, limit optimization and risk-based pricing.

Outcome optimizer

Combines our models and your existing business rules to improve approval accuracy, reduce losses and boost your bottom line.

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.