What is Cashflow Servicing?
Carrington Labs' Cashflow Servicing helps lenders monitor and manage portfolio health after origination. It uses persisted borrower data and repayment context to identify risk, such as missed payments, as well as customers with capacity for safe growth, and translates insights into clear, operational next-best actions.
When should a lender use Cashflow Servicing?
After origination — to monitor portfolio health, catch repayment stress early, manage lines, and spot customers with capacity for safe growth.
What does it look at?
A persisted bank-transaction connection, your loan tape or repayment schedule, and live servicing context.
What does it provide?
Upcoming repayment-risk flags, borrower-level alerts, next-best actions, and portfolio-health signals.
Does it only flag risk, or growth opportunities too?
Both. It surfaces early-warning signals on deteriorating accounts and identifies healthier customers who can support more exposure.
Does it replace our collections process?
No. It's an intelligence layer that helps servicing and collections teams act earlier and prioritize; you keep your processes and decisions.
How is it delivered?
Via API or batch, fitting into your existing servicing and portfolio-management workflows.
Is it explainable?
Yes. Alerts come with explainable drivers so servicing teams understand why an account is flagged.
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