Welcome to Beforepay Group

Pioneering Ethical Fintech

Beforepay Group (ASX: B4P) leverages advanced artificial intelligence, machine learning and sophisticated analytics to deliver safe and affordable financial products that empower working people around the world.

Who We Are

Data-Driven, Human-Focused

Beforepay Group operates at the forefront of technology and ethical finance, transforming the fintech sector through innovative products that support the greater good of people and drive financial inclusion.

Smarter Credit Outcomes

Everything we do is backed by data, ensuring every action is impactful, measurable, and beneficial for our customers.
Our Brands

Strategic Solutions

Supporting financial wellbeing through specialised consumer and enterprise solutions that address real-world challenges.

Beforepay

Australia’s leading ethical consumer lender.
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Carrington Labs

Global provider of enterprise cash flow underwriting and credit risk analytics.
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Investor Updates

Financial Results

Q2 FY25 Results: Beforepay Group delivers 20% revenue growth while maintaining stable default rates, demonstrating the resilience of our business model.

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Leadership

Guided by Experts

Jamie Twiss
Chief Executive Officer
Laavanya Pari
Chief Financial Officer
Kasey Kaplan
Chief Commercial Officer
Rajini Carpenter
Chief Technology Officer
Meet the Executives

Latest News

February 16, 2026

Beforepay hides a surprise inside half a million fortune cookies.

A first-of-its-kind Australian activation that turns a familiar dining ritual into an unexpected brand moment.

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December 4, 2025

Flexcar Utilizes Carrington Labs to Advance Credit Risk Analytics for Month-to-Month Car Leases

Carrington Labs, a leading provider of credit risk analytics and cash flow underwriting models, is working with Flexcar, the first and only month-to-month car lease company, ...

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November 6, 2025

Carrington Labs Launches First MCP Server Bringing Compliant Credit Models into AI Lending Workflows

Agentic AI workflows are gaining momentum across financial services — 53% of executives report experimenting with them, according to a Google Cloud survey — but lenders can't quantify credit risk without compliant, explainable models, which hinders their AI implementation.

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