NEXT
GENERATION
LENDING
We combine breakthrough technology and machine learning to empower consumers with better online credit solutions
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Empowering Consumers
The Need
50+
MILLION
U.S. adults are underbanked
The FDIC estimates that 51.1 million underbanked adults who have a bank account also rely on alternative financial services outside of the traditional banking system
34%
OF POPULATION
have non-prime credit scores
According to Experian, 34% of U.S. consumers have a Fair or Poor FICO score (<670)
1 in 3
AMERICANS
can't afford $2000 for an unexpected expense
The Federal Reserve Bank of New York found that 33% of U.S. households would not be able to come up with $2,000 if an unexpected need arose in the next month
Empowering Consumers
The BRAVIANT SOLUTION
TECH
ENABLED
digital borrowing experience
INNOVATIVE
ANALYTICS
to increase credit access
BIG DATA
UTILIZATION
to find the right solution for every customer
Transformative Technology
Technology has the potential to impact and improve every aspect of our lives. Lending is no different.
‍
Our proprietary lending platform provides the foundation that enables us to streamline the borrowing process and transform how people access credit online.

As technology evolves, we continue to explore new ways to deliver the ultimate digital borrowing experience – now and in the future.
Service-Oriented Architecture
enables rapid deployment of new technologies
RESPONSIVE WEB DESIGN
ensures optimized viewing and interaction on any device
REAL-TIME UNDERWRITING
engine assesses fraud risk and creditworthiness in seconds
AUTOMATED Verification PROCESS
reduces friction during loan origination
Innovation in AnaLytics
Nobody questions the power of big data these days, but the lending industry remains behind the curve.
‍
We think it is time for that to change. Our custom models provide an amplified view of ability and willingness to repay that consistently outperforms traditional credit scores.

The impact? A better financial future for millions of underbanked consumers.
OUR METHODS
Broad Data Sources
provide thousands of unique attributes to assess creditworthiness
Machine Learning
models guided by human insights unlock unparalleled value
4X GROWTH
in loan originations
?
33% Reduction
in average cost of credit
?
OUR RESULTS