Results since integrating EDGE

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As a leading nonprime lender committed to expanding financial inclusion, Braviant needed cashflow technology that could keep pace with its sophisticated underwriting approach. Its legacy provider created coverage gaps, required heavy feature engineering, and limited the team’s ability to serve underbanked borrowers with confidence.

With EDGE, Braviant gained reliable data aggregation, comprehensive off-the-shelf analytics, and a seamless migration path, enabling the company to improve conversion rates, reduce operational burden, and approve more consumers who deserve a second look.

"We think cashflow underwriting is here to stay. We believe there's quite a bit of value to add this dimension into the underwriting journey, so you're not just limited by credit history, which can be a lagging indicator."

– Vincent Zhang, Chief Growth & Strategy Officer, Braviant Holdings

Challenge

Braviant's mission is to serve underbanked consumers who are often misunderstood by traditional credit models. Their typical customer earns around $60,000 annually, falls between 550–650 FICO, and may have thin or damaged credit due to prior life events. Making confident, fast decisions for this population required better signals and infrastructure that could match Braviant's decade of cashflow underwriting expertise.

Coverage gaps undermined the customer experience

Braviant's previous cashflow provider delivered inconsistent data connections, reducing bank account verification completion rates and causing friction in the application funnel. Borrowers who should have qualified were dropping out before a decision could even be made.

Heavy feature-engineering requirements strained the team

Because their legacy solution lacked the analytics needed for underwriting, Braviant's data science team spent valuable time building foundational features instead of developing more advanced risk models. That created operational drag and slowed the pace of innovation.

Expanding access couldn't come at the cost of data quality

Braviant’s goal was not simply to approve more loans. It was to serve borrowers responsibly.

Inconsistent data quality limited the team’s ability to accurately evaluate nonprime consumers, creating risk in both directions: declining creditworthy borrowers and missing early warning signs of risk.

Solution

Braviant integrated EDGE to bring reliable, redundant cashflow analytics into its underwriting workflow.

With better data coverage, ready-to-deploy attributes, and a smooth migration process, the team could move faster, reduce friction, and serve more borrowers with confidence without compromising performance.

Redundant aggregation solved the coverage problem

EDGE's multi-aggregator approach dramatically improved connection success rates, eliminating the coverage gaps that had undermined funnel performance. Bank account verification completion climbed by 350 basis points in a direct head-to-head comparison with their previous provider.

Off-the-shelf analytics freed the team to focus on what matters

By replacing manual feature-building with EDGE’s comprehensive analytics library, Braviant’s data science team regained bandwidth to focus on advanced modeling and competitive differentiation instead of maintaining foundational infrastructure.

Impact

A seamless migration accelerated time-to-value

EDGE's migration path allowed Braviant to port existing rules, deploy new analytics, and go live without operational disruption. The streamlined transition minimized risk and allowed Braviant to start realizing value immediately upon integration.

With EDGE, Braviant achieved a 5% improvement in application conversions and increased approvals for underserved borrowers who had previously been declined due to coverage gaps or limited data insight.

The team was able to maintain responsible lending standards while positioning its underwriting strategy to scale nationally.

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