Braviant Holdings, led by CEO Stephanie Klein, is finding alternative ways to improve credit access for middle America. 43 percent of U.S. adults are considered non-prime borrowers based on their FICO scores. Large financial institutions often fail to serve the unique needs of this large population. Access to a small dollar loan of $500 to $10,000 can be life-changing when facing an unexpected expense or striving to build a better future. Braviant's proprietary technology and internally developed AI and ML algorithms look beyond traditional credit scores to evaluate a person’s true ability to repay a loan. Braviant is further transforming the nonbank lending space through its Path to Prime, a new mechanism for underbanked consumers to build credit history and graduate to lower rates over time as they work toward prime credit. Braviant will continue to develop new products and services to support its ultimate vision of a world without credit barriers where technology and big data provide new ways for consumers to achieve financial health and empowerment.