Noeleene Yap

See how community banks and credit unions can speed up lending decisions and improve portfolio performance without increasing risk or headcount.

Every loan tells a story. As a leader in cash flow underwriting and credit risk analytics, Carrington Labs helps organizations like Kiva see those stories more clearly, turning data into opportunities for thousands of small business owners across the U.S.

Cash flow underwriting, cash flow servicing, and purposeful AI use led conversations at the world's largest fintech event

How cash-flow servicing turns “monitor and collect” into “identify and grow.”

Can cash flow underwriting make lending fairer? We examine evidence, ECOA alignment, and how real-time data can expand access without raising risk.