Braviant Holdings, Inc

Braviant Holdings is a financial technology company dedicated to providing tech-enabled credit products and services for underbanked consumers. The company leverages a sophisticated, customer-centric approach to lending, driven by a team of experienced technologists, data scientists, and fintech veterans. Braviant's core mission is to offer accessible financial solutions that empower non-prime consumers to improve their financial standing, enabling them to graduate to lower interest rates and increased credit access as they progress towards prime credit. This is achieved through the development of proprietary decision models that analyze a broader range of data points beyond traditional credit scores. This allows for a more accurate assessment of an individual's true ability and willingness to repay, thereby expanding credit access to those who might otherwise be excluded by conventional lending criteria.

Founded in 2014 and headquartered in Chicago, Illinois, Braviant Holdings aims to create a financial landscape where every individual can take control of their personal finances. The company's innovative analytics and use of big data are central to its strategy of increasing credit access and tailoring solutions to meet specific customer needs. Braviant offers a suite of products, including installment loans and credit services through its Balance Credit brand, designed for consumers requiring rapid approval and funding for unexpected expenses or budget management. Additionally, Chorus Credit, another Braviant brand, provides personal loans with competitive rates and terms for various purposes such as debt consolidation or financing home improvement projects. The company emphasizes a transparent and fair approach to lending, which is also reflected in its internal culture, striving to be a supportive and engaging workplace. Braviant has been recognized for its rapid growth and innovative solutions in the fintech sector, consistently working to reduce credit barriers and foster financial success for underbanked individuals.