Braviant

NMLS #1610752
NMLS #1717824
Braviant Holdings uses advanced analytics to provide credit solutions to underserved consumers, focusing on personal loans and credit-building products.
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Disclosure
Loan approval, amount, and rate are not guaranteed and will vary based on state law, minimum income amounts, and other credit criteria. To obtain a loan, you must submit additional documentation, including an application. If approved for a loan, complete disclosures, including APR, fees, and payment terms, will be provided within the loan agreement before you accept the loan. Additional terms, conditions, and other limitations apply. In AK, AR, AZ, CA, DE, FL, ID, IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, NH, NV, OH, OK, RI, SC, TN, TX, UT and WI loans are provided by Capital Community Bank (or by one of its affiliates or divisions), a Utah Chartered bank, located in Provo, Utah, Member FDIC. All loans funded by Capital Community Bank (or by one of its affiliates or divisions) will be serviced by Balance Credit. **Loans approved and verified by 2:00 PM CT on business days typically fund the same day; otherwise, the next business day. Same day funding is not guaranteed. Funding times may vary based on various factors, including bank and processor policies. Sundays are typically funded the next business day. †Customer testimonials and ratings reflect the individual's own opinions and are not necessarily representative of all experiences. Rating as of April 2026 on third-party website TrustPilot. ^The lender or Balance Credit, on behalf of the lender, may obtain consumer reports and related information about you from one or more consumer reporting agencies. The credit inquiry submitted for this purpose will not affect your traditional credit score. All trademarks and service marks are the property of their respective owners.
Pros
Innovative lending solutions
Focus on underserved consumers
Data-driven approach
Cons
Niche market
Less direct consumer interaction
Limited public reviews
SnapshotOverviewCustomer ViewsSimilar Lenders

Snapshot

Year Founded
2008
Address
1 N Dearborn St, Suite 1100, Chicago, IL 60602
Estimated # of Employees
100-200
Composite Score
No score
Trustpilot Reviews
(
Reviews)
BBB Reviews
C-
(
Reviews)
Website Link
https://www.braviantholdings.com/

Overview

Braviant Holdings, established in 2014, operates as a cutting-edge fintech company that harnesses the power of advanced data science and sophisticated machine learning algorithms to provide critical credit solutions. Its distinct mission is to significantly expand access to fair and transparent credit for the often-overlooked "non-prime" market, which includes individuals typically underserved by traditional financial institutions. Braviant executes this mission through a portfolio of various consumer-facing brands, each meticulously tailored to address specific credit needs within this demographic. The company maintains a strong focus on responsible lending practices, aiming to not only provide access to funds but also to genuinely help customers improve their long-term financial health and move up the credit spectrum.

Customer Views

What They Like

Customers and industry observers alike acknowledge Braviant's innovative use of data analytics for assessing creditworthiness, which allows it to serve a demographic that traditionally faces significant barriers to accessing credit. Its unwavering focus on underserved consumers is a key distinguishing attribute, highlighting its commitment to financial inclusion for a vital market segment. Braviant's data-driven approach is highly valued for enabling more precise risk assessment and facilitating the development of tailored product offerings that better meet specific borrower needs. Its reputation is strongly built on its commitment to responsible lending within the non-prime market and its impressive technological prowess in underwriting.

What They Dislike

However, due to its operational model through multiple consumer-facing brands and its more B2B-like focus on developing lending solutions, there is generally less direct consumer interaction specifically under the "Braviant Holdings" name. This leads to relatively limited direct public reviews that specifically address the holding company itself. Furthermore, its niche market focus on the non-prime segment means it is not a general-purpose lender, which might limit its direct relevance for mainstream borrowers seeking a broad range of financial products.

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FAQs

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Does Score Credit receive compensation from lenders?

Score Credit is a free service for consumers. We partner with a network of vetted lenders and may receive compensation when a user checks their rate or takes out a loan through one of our partners. This helps us keep the platform free to use and maintain a high-quality experience. Our compensation has no impact on how your loan options are presented — you’ll always see real, personalized offers based on your credit profile and financial needs.

Braviant

's customers are saying...

Point was great!!!! They gave me money from my home equity when no one else would. I did not qualify for refi or reverse mortgage. They were fast and the customer service was great. I recommend them, highly.
Terri C.
I think is a better alternative to refinance similar in my opinion to a reverse mortgage. your immediate cash flow is not impacted if what you are trying to do is control your cashflow by eliminating smaller loans that do impact your current cashflow.
Jose Castillo
This HEI was a perfect fit for me. Retired and on a fixed income, I found I was paying interest on home equity loans each month. I never seemed to be able to reduce those loans, which meant I was cash-poor each and every month. I was able to pay off all those loans, leaving me with some cash each month. The payoff will happen when I sell my home in the future.
Bruce M.
The Point process was a lifesaver for me. It allowed me to get completely out of a lot of debt and to make the changes I wanted to make in my house to enjoy my old age. The application process was very easy - just get in what they ask you for as timely as possible. Crystal and John were two of the nicest people you could ever hope to meet. They both got things done as fast as possible - we closed in a month. I see this, especially for elderly people who don't have a lot of equity in their home and can't do a reverse mortgage, as another good option.
Bonnie C.