Braviant Holdings

Braviant Holdings

ML-driven online credit for underbanked

Overview

Braviant Holdings provides online credit solutions for underbanked consumers. It uses big data, machine learning, and custom models to assess creditworthiness and reduce the cost of credit through real-time underwriting and automated verification, enabling quick online loan origination. It differentiates itself by applying data-driven models to extend credit beyond traditional scores and by reducing friction in the lending process. Its goal is to expand access to affordable credit for non-prime borrowers and improve their financial outcomes by streamlining loan origination and repayment.

Significant Headcount Growth

About Braviant Holdings

Simplify's Rating
Why Braviant Holdings is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Data & Analytics

Fintech

AI & Machine Learning

Financial Services

Company Size

11-50

Company Stage

Debt Financing

Total Funding

$240M

Headquarters

Chicago, Illinois

Founded

2014

Simplify Jobs

Simplify's Take

What believers are saying

  • $145M revolving credit facilities closed April 2026 enhance origination scaling.
  • Forward flow facility renewal supports liquidation of $90M annualized defaulted balances.
  • Chad Hoyt hired as Director of Data Engineering strengthens machine learning platforms.

What critics are saying

  • CFPB crackdown forces higher provisions and compliance costs within 6-12 months.
  • Upstart captures 25% more non-prime share, starving Braviant originations in 12-24 months.
  • Rising delinquencies breach $145M facility covenants, halting funding in 3-9 months.

What makes Braviant Holdings unique

  • Proprietary machine learning models outperform traditional credit scores for non-prime borrowers.
  • Real-time underwriting engine enables digital borrowing in 28 US states.
  • Bank partnership model facilitates installment loan originations with automated verification.

Help us improve and share your feedback! Did you find this helpful?

Funding

Total Funding

$240M

Above

Industry Average

Funded Over

4 Rounds

Debt funding comparison data is currently unavailable. We're working to provide this information soon!
Debt Funding Comparison
Coming Soon

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Paid Vacation

Paid Sick Leave

Paid Holidays

Growth & Insights and Company News

Headcount

6 month growth

-4%

1 year growth

7%

2 year growth

2%
PR Newswire
Apr 7th, 2026
Braviant Holdings secures $145M in revolving credit facilities for non-prime lending expansion

Braviant Holdings, a Chicago-based consumer lending platform for non-prime borrowers, has closed two revolving asset-backed credit facilities totalling approximately $145 million in committed capacity. The facilities are secured by consumer loan receivables and provide revolving availability to fund new loan participations. The revolving credit facilities offer two-year revolving periods with extension options, followed by 12 to 18-month amortisation periods. They were secured at attractive capital costs and advance rates, subject to customary concentration limits and performance triggers. Braviant also renewed a forward flow facility to liquidate defaulted assets at predetermined prices, supporting the optional liquidation of over $90 million in annualised defaulted balances. CFO Jordan Olivier said the facilities enhance funding capacity and provide flexibility to scale originations whilst diversifying the company's capital structure.

PR Newswire
Jan 6th, 2026
Built In Honors BRAVIANT HOLDINGS in Its Esteemed 2026 Best Places To Work Awards

Built In honors BRAVIANT HOLDINGS in its esteemed 2026 Best Places To Work awards. News provided by. Jan 06, 2026, 09:09 ET Braviant Earns spot on Built In's Best Places to Work List: "BEST STARTUPS TO WORK FOR" CHICAGO, Jan. 6, 2026 /PRNewswire/ - Braviant Holdings, LLC, a leading national online provider of tech enabled credit solutions for underbanked consumers, today announced it has been recognized by Built In as one of the Best Places to Work in 2026. The annual awards honor employers across the U.S. whose benefits and compensation set the standard for today's workforce. Now in its eighth year, Built In's Best Places to Work program celebrates the companies shaping the future of work. In a rapidly evolving AI-first job market, recognition as a Best Place to Work helps employers stand out as trusted brands when candidates turn to tools like ChatGPT and Google AI Overviews to research where to work next. "Today's candidates discover the companies they want to work for using AI tools," said Maria Christopoulos Katris, Founder & CEO of Built In. "Earning a Best Place to Work award not only signals to candidates that you invest in your people, it's a lever to strengthen how AI search tools understand and represent your company's story." Braviant Holdings was honored on the "Best Startups To Work For" list. The awards reflect Built In's data-driven approach, evaluating companies based on compensation, benefits, and company-wide culture programs. Braviant approaches its company culture the same way it drives its business - People First. Braviant boasts a myriad of employee benefits including generous time-off packages, supportive parental leave policies, and continued education reimbursements. Additionally, Braviant is passionately driven by its vision and mission, striving to offer easy-to-use financial solutions to 50+ million underbanked Americans - an appealing attribute for many modern employees. "We're truly honored that Built In has named Braviant one of its Best Places to Work in 2026. This recognition belongs to our people - the compassionate, curious, and relentless team members who bring our mission of widening credit access to life every single day," says CEO, Kim Anderson. "Thank you to every Braviant Builder for building a culture where people feel valued and are inspired to serve their communities. We'll keep investing in that culture and in the work that matters." To learn more about Braviant, visit https://www.braviantholdings.com/. To learn more about Built In's 2026 Best Places to Work program and view all winners, visit https://employers.builtin.com/best-places-to-work/. ABOUT BRAVIANT: Founded in 2014, Braviant delivers tech-enabled consumer credit solutions, empowering consumers to take control of their personal finances. Braviant's proprietary decision models look well beyond traditional credit scores to more accurately assess a person's true ability and willingness to repay. Braviant's easy-to-use, customer-centric financial solutions help thousands of US consumers solve immediate financial challenges while graduating to lower rates and gaining improved access to credit.

PR Newswire
Jun 23rd, 2023
Ey Announces Stephanie Klein Of Braviant Holdings As An Entrepreneur Of The Year® 2023 Midwest Award Winner

Entrepreneur Of The Year celebrates ambitious entrepreneurs who are building a better worldCHICAGO, June 23, 2023 /PRNewswire/ -- Ernst & Young LLP (EY US) today announced that Stephanie Klein, CEO of Braviant Holdings, was named an Entrepreneur Of The Year® 2023 Midwest Award winner. The Entrepreneur Of The Year Awards program is one of the preeminent competitive awards for entrepreneurs and leaders of high-growth companies. Stephanie was selected by an independent judging panel made up of previous award winners, leading CEOs, investors and other regional business leaders. The candidates were evaluated based on their demonstration of building long-term value through entrepreneurial spirit, purpose, growth and impact, among other core contributions and attributes."I am truly honored to be named an Entrepreneur of the Year Midwest Award Winner," said Stephanie Klein. "This recognition highlights the incredible teamwork, innovation, and entrepreneurial spirit that drive Braviant forward. We are dedicated to transforming the financial landscape and empowering underserved borrowers with responsible financial solutions

Built In Chicago
Apr 4th, 2022
Braviant Holdings hires Chad Hoyt as director of data engineering

When Chad Hoyt joined Braviant as director of data engineering, he was motivated by the fact that the financial services organization “truly values data as an asset.”

PR Newswire
Mar 31st, 2021
Ervesun leaves Braviant Holdings as President and COO

Ervesun joins Alphaeon Credit from Braviant Holdings where he was the President and COO.

Recently Posted Jobs

Sign up to get curated job recommendations

Braviant Holdings is Hiring for 5 Jobs on Simplify!

Find jobs on Simplify and start your career today

Don't see your dream role? Check out thousands of other roles on Simplify. Browse all jobs →