Upgrade introduces five behavioral risk categories and clearer score drivers to help lenders assess borrower credit risk using open banking data.
Carrington Labs has launched Cashflow Score 2.0 to make cash flow underwriting easier to access and more explainable for lenders.
-The upgrade helps lenders clearly see the real-world habits driving credit risk by turning transaction data into five behavioral risk categories.
-The score gives lenders an off-the-shelf way to add cash flow underwriting insights into credit risk assessment, providing a current view of financial behavior that can be used to supplement traditional bureau scores without replacing existing models or workflows.
Carrington Labs, a leader in cash flow underwriting and credit risk analytics, today announced the launch of Cashflow Score 2.0, a major upgrade to its previous Cashflow Score released in September 2025. The upgraded Cashflow Score 2.0 is backed by the performance of millions of loans and billions of data points. Powered solely on bank transaction data, Cashflow Score 2.0 returns a number between 1–100, with 100 representing the highest credit quality. The score itself is derived from five categories of credit risk behavior: Velocity, Liquidity, Stability, Leverage, and Resilience. The upgraded model is designed to make transaction-data-driven credit risk insights easier to interpret and use, helping lenders identify opportunities to increase approvals and improve contribution margin without increasing credit risk.
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A clearer way to understand borrower credit risk
Cashflow Score 2.0 makes cash flow underwriting easier to interpret, integrate, and use in existing lending workflows with its simplified request and response structure intended to reduce integration effort and make the output easier to use.
The original Cashflow Score model provided lenders with an overall score and a detailed set of underlying features. Building on this capability, Cashflow Score 2.0 organizes those signals into five plain-English categories to help lenders more quickly understand the positive (promoters) and negative (detractors) as it relates to the financial behaviors behind the score.
“Credit risk is hard, and even when a model is explainable, a long list of independent features can be difficult to interpret unless you are deep in data science,” said Kasey Kaplan, Deputy CEO of Carrington Labs. “With Cashflow Score 2.0, we have taken the underlying intelligence of cash flow underwriting and made it easier for lenders to understand, apply, and act on. The upgrade gives lenders a clearer picture of the financial behaviors influencing credit risk, while making the score more practical to use in real-world decisioning environments. Lenders should be able to integrate the Cashflow Score 2.0 API in under 24 hours.”
The five categories of credit risk behavior of Carrington Labs’ Cashflow Score 2.0:
-Velocity – evaluates whether a borrower’s spending trajectory is supported by their total income.
-Liquidity – assesses the strength of a borrower’s immediate financial reserves by looking at how long available funds may cover ongoing expenses without additional income.
-Stability – examines the consistency of a borrower’s financial profile, including income streams and historical payment patterns.
-Leverage – evaluates how much of a borrower’s income is already committed to existing debt obligations.
-Resilience – looks at how quickly a borrower’s balances stabilize after significant outflows, and whether recurring fees or penalties affect recovery.
This greater explainability can help credit risk teams, product teams, and frontline lending teams better understand the factors influencing risk segmentation.
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