Beforepay Group Limited (ASX:B4P) CEO Jamie Twiss talked with Proactive about the company’s growth trajectory, AI-driven lending model, and expanding product suite at the ASX Small and Mid-Caps Conference. Beforepay is an Australian fintech focused on delivering responsible financial solutions to consumers underserved by traditional lenders. Twiss explained that the company’s core business issues around 40,000 small loans per week, averaging approximately $420, designed as short-term “tide you over” solutions. Alongside this, its Carrington Labs division monetises proprietary AI and data-driven credit risk technology with enterprise clients, primarily in North America. A key theme of the discussion was the growing role of artificial intelligence in lending. Twiss noted: “We can calculate hundreds of different variables, which give a much sharper view of the customer… credit worthiness,” highlighting how Beforepay’s approach goes beyond traditional credit scoring methods. This capability enables the company to assess risk more precisely and expand access to credit. Financial performance was another highlight, with strong growth in loan volumes and improving credit outcomes. The company reported annualised advances approaching $1 billion and net default rates just above 1%, contributing to a $4.2 million profit after tax for the half. Twiss also outlined future growth drivers, including scaling its personal loan product and expanding Carrington Labs internationally, positioning Beforepay as both a profitable fintech and a technology provider. For more insights like this, visit Proactive's YouTube channel, like this video, subscribe to the channel, and enable notifications for future content. #Beforepay #Fintech #AILending #DigitalLending #CreditRisk #MachineLearning #ASX #SmallCaps #Investing #FinancialTechnology #ConsumerFinance #AI #GrowthStocks #CarringtonLabs #EarningsGrowth