Carrington Labs
Provider of tailored cash flow underwriting models and credit risk analytics, empowering lenders and financial institutions to make more accurate, transparent, and inclusive decisions.
AI-Driven Analytics
We use advanced machine learning models to assess real-time cash flow rather than relying solely on traditional credit scores. This allows for fairer lending decisions and faster approvals.
Redefining Credit Risk
Carrington Labs leverages advanced machine learning models, developed by Beforepay Group, to equip lenders with a smarter, more comprehensive approach to credit risk.
Our Solutions
Our solutions move beyond the sole reliance on traditional credit scores, using them alongside real-time transaction data to assess creditworthiness with unparalleled accuracy.
Core Capabilities
Our platform provides end-to-end support for the entire lending lifecycle, with each solution integrating seamlessly for a complete credit risk ecosystem.
Bespoke Credit Risk
Credit risk analytics and insights are tailored to your products, lending strategy, risk appetite, and borrowers to help you make smarter, more relevant lending decisions.
Plug-and-Play
Solutions integrate into your existing lending systems and workflows via simple API. No complicated rebuilds or software overhauls.
Compliance Ready
Meet strict compliance standards and explainability requirements while delivering on speed, fairness, and transparency.
Our Awards & Recognition
Recognised for the development of an open-banking-powered affordability engine that assesses a customer’s financial position using their transaction data accurately and in real-time.
Recognised for the implementation of customer-focused safeguards, automations, and affordability checks in Beforepay’s lending processes.
Recognised for Beforepay’s flagship Pay Advance product which provides working Australians with 24/7 access to fast, fair funds with no hidden costs or credit checks.
Recognised for Beforepay’s commitment to providing working Australians with safe, affordable, and ethical solutions to temporary cash shortfalls.
Recognised for the Group’s significant and sustained financial growth from FY20 to FY23.
Who We Work With
We collaborate with lenders, fintechs, and technology partners who want to modernise their approach to credit risk and be part of a smarter, more inclusive financial system.
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Ethical fintech committed to improving financial wellbeing through transparent, responsible, and technology-driven solutions.
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