ABOUT

The Carrington LabsStory

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Building smarter credit risk and lending solutions

Carrington Labs aims to help lenders expand access to safe and affordable loan products by providing deeper credit risk insights about each loan applicant.

With our solutions, lenders, fintechs and financial institutions are empowered to make more informed, transparent and sustainable lending decisions leveraging enhanced borrower visibility and optimized loan limit recommendations.
WHY WE STARTED

Our origins

Traditional credit scores, developed in 1989, have not evolved to meet the needs of today’s diverse financial landscape.

Customer profiles and risk factors have changed, as have the types of lending products offered and the range of data now available with the emergence of new and different digital practices.
Carrington Labs was founded to address these gaps, aiming to increase access to safe and inclusive loan products.

The solutions we offer provide a fuller view of credit risk for each loan applicant, helping lenders make more informed and inclusive decisions.
WHY CARRINGTON LABs

Leading the way in modern lending

At Carrington Labs, we go beyond traditional credit risk scoring models to provide next-generation credit risk scoring and lending solutions.

Our solutions are built by data scientists and engineers dedicated to advancing the world of lending using an advanced approach to data, analytics and credit risk.

The way we use data and explainable AI to build our credit risk scoring and lending solutions that have been validated is what sets us apart.
Data-driven
Our credit risk models have been trained on more than 1 billion data points to deliver precise insights.
Proven track record
Our solutions are built from the same systems that have issued over $1 billion in loans through one consumer lender.
Skin in the game
Our Australian consumer business serves as our R&D lab to test and refine our technology.
who we work with

Collaborating with leaders in lending

We’re proud to work with lenders, fintechs and technology partners who share our commitment to smarter, data-driven credit risk.
LendAPI logoBeforepay logoKiva logoEphicient logo