Carrington Labs

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 set, manage, and optimize credit terms to reach more qualified customers. 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.