Beforepay launches Financial Pulse, a free financial health check for everyday Australians

SYDNEY, Australia, 15 October 2026 – Beforepay, the award winning ethical consumer-lending arm of Beforepay Group (ASX: B4P), today announced the launch of Financial Pulse, a new in-app feature that turns a customer's Open Banking data over the latest 90-day period into a plain-English read of their financial health. Each customer gets an overall "pulse", ranging from Starting to Excellent, along with a breakdown of "vitals" that signify activity driving their Financial Pulse.

"Financial Pulse isn't a nice-to-have bolted onto a lending app. It's a real, practical tool," said Jamie Twiss, CEO of Beforepay.

"We've built a business on everyday Australians trusting us with something real, and that trust should get them more than just access to a loan when they need one. It should get them a genuine handle on their own money, the kind of thing that changes how confidently someone walks into a big expense, or explains a bad month instead of just feeling it. Financial Pulse doesn't touch their eligibility, their limit, or their pricing."

The five vitals that power the Financial Pulse each cover a different part of everyday money management:

• Money in vs. money out — how quickly money goes back out after it comes in
• Money movement — how available balances compare with usual expenses
• Money rhythm — how consistent income has been
• Short-term debt — how much of incoming money is already committed to short-term repayments
• Money habits — how quickly a balance recovers after a larger expense.

Unlike a credit score, Financial Pulse has no bearing on a customer's eligibility, limit or pricing, and the result is never shared with other lenders or credit reporting bodies.

Financial health tools like this have typically sat behind bank apps, subscription budgeting products, or financial advisers. By building Financial Pulse into an app people already use for short-term borrowing, Beforepay is meeting customers where a financial check-in already happens, turning a single-purpose borrowing app into a place people can also see the fuller picture of their financial health.

The launch comes as Beforepay surpasses 2 million registered users, making Financial Pulse one of the largest free financial health tools of its kind available to everyday Australians the moment it launches.

Financial Pulse is powered by Cashflow Score, technology developed by Carrington Labs, the enterprise arm of Beforepay Group providing cash flow underwriting and custom Models-as-a-Service for lenders.

Financial Pulse is available now to all Beforepay customers with a connected bank account, free of charge, in the Beforepay app.

For more information, visit www.beforepay.com.au

About Beforepay

Beforepay was founded in 2019 to support working Australians who have not been well-served by the traditional financial services industry.

Beforepay launched with its flagship product, Pay Advance, offering access to up to $2000. Beforepay also offers a Personal Loan product of up to $5000. Both provide fast access to funds with transparent fees and zero hidden costs or early repayment fees - an ethical, customer-friendly option to manage temporary cash flow challenges in a safe and affordable way.

Beforepay also offers free budgeting and spending insights tools in the mobile app to support customers' financial wellbeing.

For more information visit www.beforepay.com.au