SOLUTIONS

Cashflow Servicing

Post-origination credit risk monitoring with clear next-best actions to prevent delinquency and grow healthy accounts.
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Reduce delinquencies with early warnings
Spot repayment risk before it surfaces. Flag accounts likely to miss upcoming payments.
Grow safe revenue
Identify customers with capacity to increase limits or offers while keeping loss rates in check.
Prioritize agent effort
Focus teams on the few accounts that matter each day, not broad queues.
Improve cure rates
Recommend the right action and channel for each borrower - payment plan, due date change, autopay nudge, or hardship review.
Support line management
Use cashflow and behavior to set, raise, or reduce lines based on real ability to pay.
Enhance portfolio visibility
Track risk and performance trends across your book with clear segmentations and dashboards, so you can adjust strategies before issues scale.
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Make smarter servicing decisions with a fuller view of repayment risk

Cashflow Servicing blends banking transactions, balances, payment history, and prior outreach outcomes to predict near-term delinquency and surface safe upsides that traditional rules miss.
Traditional Solutions
Static rules and queues
Late identification of risk
One-size scripts
Carrington Labs
Regular risk scores and segments
Trained for your products
Transaction-level cashflow features
Next-best-action recommendations
Explainable drivers and reason codes
API or batch delivery into your LMS and CRM
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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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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

Cashflow
Score
Credit Offer
Engine

See how Carrington Labs

fits into your lending process.

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Solutions

Cashflow scorecredit risk modelCredit offer ENGINEfinancial health summary

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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.