Welcome to Beforepay Group

Pioneering Ethical Fintech

Beforepay Group (ASX: B4P) leverages advanced artificial intelligence, machine learning and sophisticated analytics to deliver safe and affordable financial products that empower working people around the world.

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Who We Are

Data-Driven, Human-Focused

Beforepay Group operates at the forefront of technology and ethical finance, transforming the fintech sector through innovative products that support the greater good of people and drive financial inclusion.

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Smarter Credit Outcomes

Everything we do is backed by data, ensuring every action is impactful, measurable, and beneficial for our customers.
Our Brands

Strategic Solutions

Supporting financial wellbeing through specialised consumer and enterprise solutions that address real-world challenges.

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Beforepay

Australia’s leading ethical consumer lender.
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Carrington Labs

Global provider of enterprise cash flow underwriting and credit risk analytics.
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Investor Updates

Financial Results

Q2 FY25 Results: Beforepay Group delivers 20% revenue growth while maintaining stable default rates, demonstrating the resilience of our business model.

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Leadership

Guided by Experts

Jamie Twiss
Chief Executive Officer
Laavanya Pari
Chief Financial Officer
Kasey Kaplan
Deputy CEO
Rajini Carpenter
Chief Technology Officer
Meet the Executives
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Latest News

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June 23, 2026

Carrington Labs Cashflow Score Now Available on Snowflake Marketplace

New integration enables lenders to implement cash flow underwriting directly within Snowflake for faster deployment and improved credit risk assessments.

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April 30, 2026

Carrington Labs Launches Cashflow Score 2.0 With Expanded Explainability for Cash Flow Underwriting

Upgrade introduces five behavioral risk categories and clearer score drivers to help lenders assess borrower credit risk using open banking data.

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April 9, 2026

Beforepay Appoints Kasey Kaplan as Deputy CEO to Accelerate Growth Across All Business Lines

Revised leadership structure reflects the company's increasing scale and product breadth; Jamie Twiss continues as CEO.

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