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About Beforepay Group

Beforepay Group is an ethical-lending fintech founded in 2019 to create safe and affordable lending products.

We operate two business lines: Carrington Labs, which builds and deploys AI-powered loan-decisioning systems and high-efficiency lending platforms, and Beforepay, our direct-to-consumer business.

Our commitment to supporting individuals who have not been well-served by the traditional financial services industry has led to widespread recognition in the financial services industry. Beforepay Group, Beforepay and Carrington Labs have each been named finalists and winners of various awards, including: 

• High-Growth Companies Asia-Pacific 2025 - Beforepay Group, The Financial Times x Statista
• Most Influential CEO 2025 - Alternative Credit Scoring - Jamie Twiss Carrington Labs, Most Influential CEO Awards 2025, CEO Monthly
• Credit Risk Lending Solutions of the Year US 2025 - Carrington Labs, World Business Outlook Awards 2025, World Business Outlook Awards
• Innovators to Watch 2025 - Carrington Labs, Silicon Review 
• Ethical Consumer Lender of the Year 2025 - Beforepay, Australian Enterprise Awards 2025, APAC Insider 
• Best AI-Powered Credit Risk & Lending Solutions Provider 2025 - Carrington Labs, Australian Enterprise Awards 2025, APAC Insider 
• Ethical Lender of the Year 2024 APAC - Beforepay Group, Ethical Finance Awards, Wealth & Finance International 
• Best AI-Powered Ethical Lending FinTech Platform 2024 - Carrington Labs, International Business Magazine Awards, International Business Magazine
• Leading Provider of Ethical Products Australia 2024 - Beforepay Group, International Business Magazine Awards, International Business Magazine 
• Ethical Lender of the Year Australia 2024 - Beforepay Group, International Business Magazine Awards, International Business Magazine
• Best Use of Artificial Intelligence (AI) in Fin-tech Australia 2024 - Carrington Labs, International Business Magazine Awards, International Business Magazine 
• Best App-Based Lending Company 2023 Australia - Beforepay, APAC Business Awards, APAC Insider 
• Best Ethical-Lending FinTech 2024 - Beforepay, APAC Australian Enterprise Awards 2024, APAC Insider 
• Most Innovative Ethical Lender of the Year 2024 - Beforepay, APAC Australian Enterprise Awards 2024, APAC Insider 
• Finalist - Best lending innovation - Beforepay, Finder Innovation Awards, Finder 
• Finalist - Best online customer service innovation - Beforepay, Finder Innovation Awards, Finder 
• Finalist - Australian Growth Company Awards - Financial Services - Beforepay, Australian Growth Company Awards
• Finalist - Excellence in Consumer Lending - Beforepay, The Finnies, FinTech Australia
• Ethical Lender of the Year 2023 - Beforepay, PAN Finance Awards, PAN Finance International 
  

Beforepay Group is ISO27001 certified. More information is available in our Trust Centre. 

 

Beforepay - Ethical Lending

Beforepay set out to disrupt traditional predatory lending practices with an ethical, customer-friendly alternative for managing temporary cashflow challenges. 

Our flagship product is the Pay Advance, which advances eligible customers with small loans (c. $300-400 on average) over relatively short periods of time (c. 3 weeks on average). The product allows eligible customers to access loans of up to $2000, offering a simple, transparent, and affordable loan option to ease short-term cash flow challenges, with transparent pricing and flexible repayments.

We also offer a Personal Loan product. This is currently available to eligible customers and provides loans between $2,001 and $3,000 with up to 3 months to repay. The Personal Loan comes with a fixed 5% set-up fee and a competitive interest rate. 

We know that customers demand immediacy, which is why speed and convenience is core to our product. Our proprietary AI credit models work in seconds, whilst funds are deposited through NPP payment rails into customers’ bank accounts nearly instantly. 

Use of sophisticated technology makes the onboarding process seamless; customers can download the app, sign up, be assigned an appropriate limit (which is based on a number of factors like income and spending), pass thorough KYC checks, and have the money in their account in as little as 5 minutes.  

To ensure that Beforepay is genuinely an ethical, customer‐friendly alternative to traditional financial products, we have put in place a number of safeguards. These include eligibility requirements and risk‐scoring based on transactional behaviour. Customers are also permitted to take out only one loan at a time, with the previous loan to be repaid in full before taking out another.

We take customer feedback seriously to ensure our safeguards are appropriate and our product is helpful. In addition, we have a free budgeting tool and spending insights in the app to assist our customers in managing their cash flow. 

 

Carrington Labs - Cashflow Undewriting and Credit Risk Analytics

Carrington Labs is a leading provider of explainable AI-powered cashflow underwriting and credit risk analytics. 

Carrington Labs aims to help banks and non-bank lenders make more informed and inclusive lending decisions to increase approvals, reduce risk and improve margins. Its solutions are built to work with lenders' existing workflows, accessed thrhough a simple API call to avoid the need for complex integration.

For more information visit www.carringtonlabs.com.

 

Beforepay Group Values

Customers ride first class 

Customers are at the centre of everything we do, helping to shape our future.

Be the best

We're passionate about excelling; being leaders in our space and celebrating the wins this delivers.

Human first 

We are human first and we operate and communicate with respect.

Give it a go 

We encourage everyone to speak up and think of new solutions to old problems. Mistakes can happen and are opportunities to learn.