Built for banks, non-bank lenders and lending teams.
Explore the potential value of lower credit losses, additional suitable lending and more efficient assessments. Bring selected benefits and costs together to see what the opportunity could mean for your business. Instant scenario estimate. No contact details required.
Choose the areas you want to explore, enter your business figures and adjust the improvement assumptions. Review the benefit breakdown alongside the costs included.
A detailed assessment helps identify the assumptions that drive the result, the costs that need including and the evidence required to support an investment decision.
What happens next
Share your scenario and business priorities. Our team will review the request and discuss the next step.
The headline matters, but so does understanding where the value comes from, which costs are included and when the benefits might occur.
Separate potential credit-loss savings, contribution from additional lending and operational cash savings.
Account for model enquiries and other included costs. Add implementation and timing assumptions for a fuller investment view.
Show staff capacity separately and identify which improvements still need validation.
The calculator combines selected financial benefits and subtracts the costs included in the scenario.
Credit-loss savings apply to baseline lending. Contribution from additional funded loans should already account for their expected credit losses. Shared model enquiry costs are counted once.
Operational capacity becomes a financial benefit only to the extent that expenditure is expected to be reduced or avoided.
ROI requires total benefits and total included costs over a stated period. Payback also requires appropriate cash-flow timing assumptions. Loan contribution and avoided losses may arise over a longer period than the origination month.
Carrington Labs helps lenders assess risk and explore how different lending strategies could affect portfolio performance and commercial value.
Compare risk estimates and potential loss outcomes against your current approach.
Assess approval and referral scenarios within agreed risk constraints.
Consider how model outputs fit existing workflows and where further offer or pricing analysis may be useful.
Explore lender-specific credit risk models.
Learn about loan offer optimisation.
The calculator does not itself optimise loan amounts, terms or prices. Those require a separate analysis of risk, take-up, terms, pricing and costs.
Focus the PoC on the part of the business case that matters most. Once we’ve agreed the scope and have your data, we run it against your current approach and deliver the findings within 48 hours.
1
Choose the business question and measures that will inform the decision.
2
Agree the relevant data, current approach and financial assumptions.
3
Run the agreed assessment and identify what the evidence supports.
4
Replace assumptions with findings where possible and agree further work.
The 48 hours start once we’ve agreed the scope and your data is complete and ready. The PoC covers the agreed scope, not validation of every benefit; production deployment is a separate step.
An agreed PoC can connect technical findings with their potential financial implications, giving your team a clearer basis for deciding what comes next. Scope and deliverables are agreed before the 48-hour clock starts. Not every benefit can be established through historical backtesting alone.
Explore the business case, then work with Carrington Labs to test the assumptions that matter most.
