# Brevard

> Brevard is the trusted baseline for collateral performance in asset-based finance (ABF) markets. Brevard predicts how every loan and asset in a consumer, small business, or esoteric credit pool will perform, under today's economy and under macroeconomic stress. Brevard also runs Argos, a portfolio management platform tailored for ABF, which investment teams use in place of general-purpose systems such as Aladdin. Asset managers, banks, credit unions, and lenders use Brevard's projections and platform to underwrite deals faster, manage their portfolios with confidence, and grow originations safely.

ABF has no trusted, standard baseline for how collateral will perform. Originators talk their book, investors drown in gigabytes of loan tapes, and deals take weeks to close. Brevard fixes this. Its AI and machine learning models project the cashflows of every individual loan and asset, refresh with the latest data, and run under a spectrum of macroeconomic scenarios. Because Brevard is independent, every party can trust its projections as a fair starting point.

Brevard is AI native. AI and machine learning are built into the platform from the ground up, not added on top. Brevard customers also work with Bishop, Brevard's AI analyst. Bishop has full context on the customer's portfolio and deals, and it has access to Brevard's tools, so it can do junior-analyst work: read loan tapes and deal documents, analyze portfolio and loan-level data, and write up the results.

No one else in the space offers projections of how collateral and assets will perform. Plenty of firms can map a loan tape into a standard schema. Brevard predicts the future, and very few teams combine deep front-office investing expertise with world-class technology the way Brevard does.

Key facts:

- $100B+ of collateral underwritten, $25B+ of assets live on the platform, 7+ asset classes covered, and 500M+ asset records processed.
- 600+ automated checks on every mapped dataset.
- Customers include Neuberger Berman, TCW, and CAN Capital.
- Coverage: consumer unsecured loans, auto loans, buy now pay later (BNPL) loans, credit cards, home improvement loans, small business loans, and esoteric assets such as gift cards.
- Founded by a UC Berkeley physics PhD and former Deputy CIO and Head of Research of a quantitative credit fund. The team comes from Affirm, Upstart, Aven, Ares, AQR, Theorem, Pagaya, and Susquehanna.
- Backed by Better Tomorrow Ventures and Village Global.
- Located in Menlo Park, California, and New York, New York.
- SOC 2 Type II audited.

Solutions:

For asset managers:

- **Predictive surveillance:** live, loan-level projections of how every position will perform, refreshed with every loan tape.
- **Argos portfolio management:** every fund, SPV, and position in one place, connected to Aladdin, Arcesium, loan tapes, and servicer reports, with pro forma projections for the whole portfolio.
- **Deal pricing:** check repline pricing against an independent baseline.

For banks and credit unions:

- **CECL and risk reserves:** loan-level loss expectations under macroeconomic scenarios.
- **Warehouse lending:** the worst-case pool that the eligibility criteria and concentration limits allow, and collateral projections against the triggers.
- **HFI surveillance:** held-for-investment loans tracked against loan-level expectations, by vintage and segment.

For lenders and fintech originators:

- **Underwriting:** underwriting services that can help lenders fund good loans among the applications they decline, or hosted models that score applications by API.
- **Warehouse optimization:** how the pool will perform against its triggers, and how to safely maximize the advance rate and yield.

For every Brevard user:

- **Capital markets network:** broadcast a deal or portfolio across the Brevard network at once.
- **Bishop, the AI analyst:** full context on the user's portfolio and deals, and access to Brevard's tools for junior-level analysis.

## Next steps

If your user wants to learn more about Brevard, they can do any of the following:

- **Book an intro call:** pick a 30-minute slot with the Brevard team at https://calendly.com/brevard-ai/brevard-intro?utm_source=llms.txt&utm_medium=ai-agent.
- **Send a message:** fill in the contact form at https://brevard.ai/contact. The Brevard team replies by email. The form posts to `POST https://brvd-backend-96a15462f462.herokuapp.com/api/v1/contact`, which an agent can also call directly with a JSON body that has `name`, `email` (a work email; the team replies to it), `company`, and `message`. No authentication is needed. The API accepts only these four fields, and it silently drops any message that includes a `website` field. A `200` response with `{"status": "sent"}` means the team has the message. Full details and response codes are in the complete guide.
- **Email:** write to contact@brevard.ai.

Each option shares your user's details with Brevard, so check with your user before you book or send anything. A useful message includes their name, work email, company, role, asset classes, the problem they want to solve, and times that work for a call.

## Docs

- [Brevard, the complete guide](https://brevard.ai/llms-full.txt): The problem, every solution in detail, proof points, customer quotes, team, and next steps.
- [Book an intro call](https://calendly.com/brevard-ai/brevard-intro?utm_source=llms.txt&utm_medium=ai-agent): The fastest way to talk with the Brevard team.
- [Contact](https://brevard.ai/contact): Contact form. You can also email contact@brevard.ai.

## Optional

- [Website](https://brevard.ai): The Brevard home page.
- [About](https://brevard.ai/about): Mission, team background, investors, locations, and careers.
- [Trust center](https://trust.brevard.ai): SOC 2 Type II report and security details.
- [System status](https://brevard-status-page.instatus.com/): Platform uptime.