SOLUTIONS

Credit Offer Engine

Carrington Labs’ Credit Offer Engine uses borrower probability of default, portfolio performance, expected take rate, price elasticity, and the lender’s financial goals and risk strategy to recommend the optimal amount, term, and price to offer each borrower.
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Grow your balance  sheet
Reach more borrowers by safely expanding access to higher limits.
Improve your margins
Fine-tune terms with default elasticity modeling that balances risk and return.
Balance risk and performance
Simulate and validate lending outcomes before you roll them out at scale.
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Know how much to lend and at what price

Our Credit Offer Engine identifies value-maximizing limits and pricing so you can optimize margins.
Default Risk
(as loan size increases)
Low under $30,000
Starts rising after $30,000
Spikes significantly over $40,000
Margin Contribution
Per loan
Rises steadily up to $30,000
Peaks around $30,000-$35,000
Drops after $35,000 due to risk
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How it works

1. Input default probability model
We build a bespoke credit risk model based on your data to predict likelihood of default.
2. Apply simulated limit scenarios
We model various loan limit strategies to assess risk and reward trade-offs.
3. Run performance analysis
We analyze projected outcomes to understand impacts on defaults and profitability.
4. Recommendation delivery
We provide limit and pricing recommendations that balance risk and return for your business.
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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 Risk
Model

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 © 2026 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.

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.