AI-powered models evaluate over 50,000 individual variables to find the best 400-500 predictors of loan outcomes.
Algorithms use natural-language processing and machine learning to automate lending decisions.
Origination, loan management and white-label apps expected to enable sign-up to funding in as little as 5 minutes.
The decision engine uses alternative data to enhance and automate accurate risk modeling and limit setting.
Key features include:
Our models use artificial intelligence and machine learning to deliver accurate risk assessments, customize limits and repayment schedules, and reduce the risk of default.
The end-to-end loan origination and servicing solution will support an entirely digital lending journey, streamlining workflows to modernize and accelerate lending capabilities.
Options include:
Available as separate modules or as a full lending platform. Ask us about how our solutions might be able to integrate into your existing ecosystem.
Carrington Labs
Carrington Labs is an Australian team of data scientists and engineers focused on creating globally applicable AI-based credit risk decisioning and loan management solutions for unsecured consumer lending.
Our combination of deep credit expertise and up-to-date artificial-intelligence capabilities will help your business step into the future of financial services.
1 billion data points
Our native AI risk-scoring model is unmatched in its precision, enabling faster, smarter and more ethical decision making and lending.
4 million loans originated
Our predictive modeling and lending solutions have originated more than 4 million loans through our consumer-facing brand, Beforepay.
Incredible efficiency
Our current consumer-facing platform advances 35,000 loans each week, with a team of fewer than 40 employees.
Skin in the game
Our Australian consumer business serves as our R&D lab to test and refine our technology. We lend our own money to consumers using these models and systems.
Our technology powers
an award-winning business
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