Beforepay Group Limited is an Australian fintech company offering pay-on-demand services through its app. It provides small loans to customers for short-term financial challenges, typically around $300-400 for three weeks, with a fixed 5% fee and no interest or hidden costs[1][2]. The company targets individuals facing temporary cash flow issues, aiming to disrupt predatory lending practices with ethical alternatives[2]. Its unique selling proposition is the use of AI-powered credit decisioning, instant fund transfers, and a customer-centric approach with budgeting tools[2]. Beforepay also operates Carrington Labs, which develops AI credit risk scoring solutions[2].