Carrington Labs

About Carrington Labs

Carrington Labs provides lender-specific credit risk models and decision-ready analytics for banks, credit unions, fintechs and non-bank lenders. Our technology uses the data relevant to each lender, including application, bureau, portfolio, repayment, financial and, where available, customer-permissioned bank transaction data, to produce explainable risk signals across the lending lifecycle. This helps lenders improve risk separation, make better-informed approval and offer decisions, and identify changes in borrower risk after origination. Cash flow underwriting can be incorporated where it adds value, alongside existing data and credit processes. Carrington Labs supports these outcomes through: • Credit Risk Models for underwriting and risk segmentation • Cashflow Score for transaction-based credit risk assessment • Credit Offer Engine for amount, term and pricing recommendations • Financial Health Summary for borrower-level financial insights • Cashflow Servicing for early-warning and portfolio monitoring Our models and analytics integrate into existing scorecards, decision engines, origination platforms and servicing systems through API or batch delivery. Lenders retain control of policy, cutoffs and final decisions. Learn more at carringtonlabs.com. Carrington Labs is a registered business of Beforepay Group Limited (ABN 63 633 925 505).