SOLUTIONS

Limit and Pricing
Recommendations

Optimize pricing to unlock better margins

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Turn pricing and limit decisions into a growth strategy

Use risk-based analytics to inform optimal loan/line amounts and pricing strategies.

Setting the right limits isn’t just about risk. It’s about unlocking growth, improving unit economics, and lending more—without lending blindly.

Carrington Labs' Limit and Pricing Recommendations are designed to help you scale sustainably with data-backed confidence.

By simulating different loan/credit terms across borrower cohorts, our models help you identify the sweet spot between approval rates, default risk and margin performance based on default elasticity. Whether you’re issuing personal loans, lines of credit, or embedded finance products, our tools give you the clarity to make strategic lending decisions.

Benefits

  • Balance sheet growth - reach more borrowers and expand access to higher limits where the data says it's safe.
  • Improve margins - fine-tune pricing with default elasticity modeling that balances credit risk and return.
  • Make faster, value-maximizing decisions - validate new lending policies or offers before rollout to balance performance and credit risk.

Ask us about using data-driven Limit and Pricing Recommendations to balance growth and credit risk