Braviant Holdings
Braviant Holdings leverages technology and machine learning to provide online credit solutions, aiming to empower underbanked consumers and improve their financial lives.
Company History
Braviant Holdings was founded in 2014 with the aim of empowering individuals with less than perfect credit to rebuild their financial lives. Over the years, the company has expanded its offerings, including the launch of Chorus Credit Personal Loans in 2017, and secured multiple credit facilities, such as the $40 million deal with Redpoint Capital Group and the $50 million facility with Keystone National Group. The company has also been recognized multiple times for its workplace culture, appearing on various lists such as Crain's Best Places to Work in Chicago and American Banker's Best Places to Work in Fintech.
Services
Braviant Holdings offers various online credit solutions tailored to non-prime consumers. Balance Credit provides installment loans and credit services designed for fast approval and funding. Chorus Credit offers personal loans with competitive rates and terms for a range of purposes including bill consolidation and home improvement financing. These services are designed to provide a pathway for consumers to graduate to lower rates over time.
Technology and Innovation
Braviant Holdings integrates breakthrough technology and machine learning to enhance online credit solutions. Their proprietary lending platform streamlines the borrowing process and offers a tech-enabled digital borrowing experience. The company's real-time underwriting engine quickly assesses fraud risk and creditworthiness, while automated verification reduces friction during loan origination. By utilizing big data and innovative analytics, Braviant Holdings can find personalized solutions for customers, providing thousands of unique attributes to assess creditworthiness.
Recognition and Awards
Braviant Holdings has received multiple recognitions for its workplace culture and rapid growth. It has been listed in Crain's Best Places to Work in Chicago and American Banker's Best Places to Work in Fintech multiple times. The company was named to Deloitte's Technology Fast 500 List for consecutive years, and it also appeared on the Inc. 5000 List. Other accolades include a Gold Stevie Award for Financial Services Company of the Year and recognition by Entrepreneur's Entrepreneur 360 List.
Partnership with Nonprofit Organizations
Braviant Holdings has partnered with SaverLife by EARN, a nonprofit organization, to assist customers in building their savings. This partnership aligns with Braviant's mission to empower consumers, especially those who are underbanked, by providing them better financial solutions and a pathway to improved financial health.