Comparison
No need to unwind anything. A Carrington Labs model is developed around your portfolio and outcomes — Cash Atlas reports and attributes can be assessed as inputs along the way, where your data rights allow.
Carrington Labs develops the target, engineered features, calibration and validation around the lender’s own performance definition and observed outcomes. This allows the model to reflect the lender’s product design, customer mix, policy and risk strategy.
Cash flow reports and attributes describe financial behavior. Carrington Labs tests how those signals should be transformed, combined and weighted within a lender-specific risk model.
Carrington Labs does not require the lender to choose between cash flow and traditional credit data. The model can use the combination that proves most predictive for the portfolio.
As more outcomes become available, Carrington Labs can retrain the model, revisit calibration and engineer additional features where supported by the expanded data.
Carrington Labs’ Credit Offer Engine uses risk together with expected loss, revenue, costs, take rate, price elasticity and lender constraints to recommend amount, term and price.
Carrington Labs is built for lenders that want:
Test cash flow and traditional data together against your own portfolio outcomes and commercial objectives.
Comparison based on publicly available product information as of July 2026. Third-party names and trademarks belong to their respective owners. Carrington Labs is not affiliated with or endorsed by the companies referenced unless expressly stated.
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