Beforepay

Carrington Labs Partners with Sea.dev to Eliminate Manual Backlogs in SMB Lending and Accelerate Smarter Underwriting

Partnership enables lenders to transform complex financial documents into structured data with Sea.dev for faster analysis using Carrington Labs’ credit risk models.

8 October 2025

Carrington Labs and TaranDM Partner to Bring Cashflow Underwriting Directly into Automated Decisioning

Partnership helps lenders unlock faster, more inclusive credit decisions by combining Carrington Labs’ cashflow underwriting and credit risk models with TaranDM’s modern and agile decision platform.

25 September 2025

Carrington Labs Debuts Cashflow Score, Delivering Up to 30% Higher Accuracy Than Traditional Credit Models

Built on open banking transaction data and delivered in real-time, the score helps lenders approve more borrowers without increasing risk.

4 September 2025

Carrington Labs and DigiFi Partner to Bring Cash Flow Underwriting to Loan Origination Platform

Built-in credit risk analytics and cash flow insights will allow lenders to start controlled testing in days

6 August 2025

Thought Leadership

Durable shopping jumps 32% in June as EOFY drives biggest monthly lift in 2025

Sydney, Australia – The Beforepay Cost of Living Index rose 14.9% in June to a daily average spend of $70.52, marking the sharpest monthly increase recorded this year. While rising costs played a role, the standout driver was a 32.2% surge in durable shopping, as Austral...

1 July 2025

Carrington Labs Partners with Taktile to Help Lenders Make Better Credit Risk Decisions Faster

By deploying Carrington Lab’s models directly through Taktile’s Decision Platform, lenders gain end-to-end control over the optimization of their entire credit strategy.

24 June 2025

Thought Leadership

Utility spending climbs 4.8% as energy price hikes approach

Sydney, Australia – Household utility spending increased 4.8% to a daily average spend of $7.04 in May, according to the latest Beforepay Cost of Living Index. The rise comes ahead of July’s scheduled electricity price hikes and follows a sharp drop in April. Overall spe...

6 June 2025

Carrington Labs Partners with Oscilar to Expand Access to Real-time Credit Risk Analytics

Partnership allows lenders to streamline and accelerate integration of tailored credit risk analytics through Oscilar’s decisioning infrastructure

13 May 2025

Thought Leadership

April spending sees sharpest fall of 2025 so far, down 4.7%

Sydney, Australia – Australian household spending declined in April, with the latest Beforepay Cost of Living Index revealing a 4.7% fall in average daily spend to $61.63. Spending dipped across all tracked categories, driven primarily by significant decreases in utility...

8 May 2025

Thought Leadership

Wellbeing takes priority as health spending jumps 8.3% in March

2 April 2025