Braviant Holdings, a Chicago-based technology-driven consumer lending platform has secured approximately $145m in committed capacity across two new revolving asset-backed credit facilities, alongside the renewal of an existing forward flow arrangement.
The two facilities are backed by the company’s consumer loan receivables and will be used to fund new loan participations on a rolling basis. Each carries a two-year revolving period, with the option to extend, before moving into an amortisation phase lasting between 12 and 18 months.
Braviant said the facilities were obtained at competitive capital costs and advance rates, with standard eligibility and concentration requirements, portfolio performance triggers and financial covenants in place.
Alongside the new revolving arrangements, the company has also renewed a forward flow facility, which allows defaulted assets to be liquidated at a fixed price. That facility is structured to support the optional wind-down of more than $90m in annualised defaulted balances.
Braviant Holdings operates as a technology-driven consumer lender, using a proprietary underwriting platform and bank partnership model to extend credit to non-prime borrowers across 28 US states.
Braviant Holdings CFO Jordan Olivier said, “These revolving facilities significantly enhance Braviant’s funding capacity and provide the flexibility we need to scale originations, diversify our capital structure and open new markets.
“The asset-backed revolving structure aligns our funding with the cash flows of our receivables portfolio, and the competitive terms reflect the confidence our capital partners have in the quality of our underwriting and servicing platform.”
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