SOLUTIONS

Cashflow Score

A fast, bureau-style credit risk measure based solely on transaction data.
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Score customers who have thin or no credit file by assessing real-time cash flow activity.
Make decisions faster
Speed up decision times with a real-time credit risk score based on transaction data.
Deploy quickly and easily
Use it as a standalone signal or integrate with your existing risk models. No PII required.
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Get a fuller view of creditworthiness – powered by cash flow insights

Our Cashflow Score uses historical transaction data to provide a quick and accessible view of financial stability.
Traditional Solution Data
Credit utilization
Employment
Credit score
Carrington Labs Data
Gambling outflows
Wage advance usage
Dishonored debits
Welfare transactions
BNPL-to-loan ratio
Account balance volatility
and more...
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Unlock your potential uplift

30%
‍

more accurate in scoring high-risk customers

2.5x
‍

more accurate in scoring low-risk, high-value customers

14%
‍

higher margins with integrated limit-setting

The typical uplift our solutions can deliver based on a sample set of anonymized data.
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How it works

Provide transaction data
Send us bank transaction data — categorized or raw — via API or flat file.
We apply our pre-trained model
Our engine processes the data, extracts key features, and calculates a Cashflow Score.
Get your results
Receive scores and supporting metrics through API or batch files, ready to plug into your decisioning workflow.
Optional: Combine with your own logic
Use the score as-is or layer it with your existing rules and models for added precision.
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Compliance Ready

Meets strict compliance standards while delivering on speed, fairness, and transparency.

No PII required
Models use de-identified transaction data.
ECOA-compliant
Protected class information isn’t required or used in decisioning.
Explainable outputs
Model features can map directly to adverse action reasons.

See other solutions

Credit Risk
Model
Financial Health
Summary

See how Carrington Labs

fits into your lending process.

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Solutions

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Carrington Labs is a registered business of Beforepay Group Limited, Suite 9.01, 77 Castlereagh Street, Sydney NSW 2000. Copyright © 2025 Beforepay Group Ltd, ABN: 63 633 925 505. Terms and conditions apply. New customers are subject to eligibility criteria.

This service is not currently offered in  China, Russia or Taiwan. If you are interested in our solution, please contact us at hello@carringtonlabs.com

Beforepay Group Limited and its Beforepay goods and services are in no way sponsored, approved or affiliated with Quadpay Inc., Openpay Pty Ltd, Afterpay Pty Ltd, ZipMoney Payments Pty Ltd and their associated entities/affiliated companies.