SOLUTIONS
Cashflow Score
Credit Risk Model
Credit Offer Model
Financial Health Summary
USE CASES
Increase Approvals
Monitor Portfolio
Optimize Loan Terms
Small Business Lending
Lend More Inclusively
RESOURCES
About
Blog
White Papers
CONTACT
use cases
Lend to thin-file small business owners
Evaluate business cash flow and behavior—even when a traditional credit file doesn’t exist.
Request a demo
Learn more
The Problem
Many microbusinesses, freelancers, and sole traders lack formal business credit profiles.
Their income is often mixed with personal finances, making traditional underwriting slow or impossible.
How Carrington Labs can help
Identify consistent business cash flow
Detect recurring income and seasonal revenue patterns—even in mixed-use accounts.
Detect business transactions
Use transaction categorization to isolate business-relevant activity.
Underwrite thin-file SMBs
Make confident lending decisions for sole traders and microbusinesses with limited credit history.
Request a demo
How this fits in your workflow
Loan origination
Approve thin-file SMBs with confidence in cash flow signals.
Income validation
Verify business activity through enriched transaction data.
Who is this for
Carrington Labs supports lenders aiming to expand SMB lending with limited documentation.
SMB lenders
Fintech platforms offering business credit
Traditional banks with small business segments
Digital lenders serving sole traders or freelancers
Microfinance and alternative business lenders
Request a demo
Explore solutions
Cashflow
Score
Credit Risk
Model
.svg)
