use cases

Lend more inclusively while staying compliant

Use real financial behavior to support inclusive, auditable lending.
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The Problem

Credit unions and community lenders need to support borrowers who don’t fit the traditional mold — but must maintain transparency, governance, and fair lending practices..

How Carrington Labs can help

Find overlooked borrowers
Uncover strong financial behaviors like consistent income or low discretionary spend in thin-/no-file borrowers.
Stay transparent and compliant
Provide regulators, analysts, and applicants with clear explanations for every credit decision.
Expand inclusive lending confidently
Approve more community-focused or underserved borrowers without compromising risk thresholds.
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How this fits in your workflow

Member onboarding and pre-qualification
Broaden access to credit without compromising policies.
Audit and governance
Document and justify every decision clearly and quickly.
Branch-level decisioning
Empower frontline staff with instant, explainable insights.

Who is this for

Carrington Labs supports inclusive lenders focused on transparency and accessibility.
  • Credit unions
  • Ethical lenders
  • Community-focused banks
  • CDFIs (Community Development Financial Institutions)
  • Fintechs with inclusive lending products
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Explore solutions

Credit Risk
Model
Credit Offer
Model

See how Carrington Labs

fits into your lending process.

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Solutions

Cashflow scorecredit risk modelCredit offer modelfinancial health summary

Resources

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Contact

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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.