Beforepay’s software-as-a-service spin-off, Carrington Labs, has secured a new integration partnership with Salesforce that will enable the automatic ingestion of CRM data for credit risk decisioning.

The partnership will enable adoptees of Carrington Labs’ decisioning engine to seamlessly ingest data from Salesforce’s Sales Cloud CRM for use in credit risk modelling.

“This integration is set to enhance client onboarding to Carrington Labs and streamline access to the platform’s tailored credit risk models, requiring minimal technical investment and supporting faster, data-driven lending decisions,” Beforepay Group wrote in a statement.

The integration is also adaptable to local regulatory and data protection standards for use by institutions globally.

Beforepay group chief executive Jamie Twiss welcomed the new integration, which he said would “support faster, more efficient client onboarding and provide a flexible solution for lenders working within Salesforce environments”.

“This capability allows us to deliver actionable credit risk insights and loan limit recommendations where clients need them most, with security and ease of implementation as key priorities.”

Carrington Labs’ two chief in market offerings are its credit decisioning engine and end-to-end loan origination and servicing platform (itself used by Beforepay to issue its loans).

The credit engine leverages AI-powered risk-management modules to support fully automated lending decisioning. Among its features include an AI-powered pay cycle detection and prediction tool, AI-powered risk assessment and scoring models, and a personalised loan limit setting feature.

The platform accesses shared data – including transaction histories, application details, and credit bureau reports – to create customised credit risk models tailored for the specific needs of lenders.

Using reverse ETL (Extract, Transform, Load) capabilities, these insights can be fed back into the Salesforce Sales Cloud, enabling clients to utilise these credit risk insights in their established workflows.

Founded earlier this year, Carrington Labs commercialises the technology that runs key Beforepay operations, including AI-powered risk models and loan origination platforms.

Beforepay recorded its first full-year profit in FY2024, recording an EBITDA of $8.5 million. The lender currently counts just over 240,000 active users.