Carrington Labs builds cash flow underwriting models as well as tools for loan and limit sizing, limit management, and early-warning systems for banks and non-bank lenders.

We use contemporary data-science techniques, machine learning, explainable AI, and alternative sources of data to help lenders modernize and optimize their decision-making processes, supporting growth and profitability – without the complex set-up.

With Carrington Labs, lenders are able to:

1. Reach more qualified customers

2. Set and manage credit terms

3. Optimize credit terms.

The Carrington Lab platform provides lenders with simple, effective tools to improve their lending performance. These include:

• Cash flow underwriting score

• Loan/limit recommendations

• Financial health summary

• Rules assistant.

Working across the consumer and small-business lending space, Carrington Labs can pilot a tailored risk model for a lender in days, and onboard a lender in weeks, driving significant improvements in growth and returns.