Oliv Financial, a technology-enabled consumer lending platform expanding responsible access to credit, today announced a long-term forward-flow agreement with a multibillion-dollar international bank, creating a long-term funding framework for the purchase of eligible consumer loans originated through Oliv’s platform.

The forward-flow loan purchase program will support Oliv’s continued platform growth and national rollout by expanding access to responsible credit for consumers who may be underserved by traditional lending approaches. The banking partner will fund up to $500 million in loan purchases through scalable capital infrastructure designed to support future loan originations by Oliv.

“We founded Oliv with the belief that better data and better technology can expand responsible access to credit,” said Eric Brown, Co-Founder of Oliv. “This partnership enables us to combine our technology-enabled underwriting platform with long-term institutional capital to responsibly reach more consumers as we scale.”

Edge Focus, a firm that delivers technology, capital, and access to consumer credit, will support the forward-flow program through Origin, its underwriting platform. Origin serves as the credit intelligence layer within Oliv’s lending operation, combining traditional credit data, cash-flow analytics, alternative data and proprietary risk models to improve credit decisions, enhance risk segmentation and responsibly expand access to credit.

Loans issued through the capital partnership will be monitored using Edge Focus’ Lens platform, which provides portfolio analytics, investor reporting and transparency capabilities that support institutional investment in consumer credit assets.

Forward-Looking Statements:

  1. This press release contains forward-looking statements regarding Oliv Financial’s business, growth plans, loan origination activities and the anticipated benefits and potential scale of the forward-flow loan purchase program. These statements are based on current expectations and assumptions and are subject to risks and uncertainties that could cause actual results to differ materially. The amount and timing of loan purchases under the program will depend on a variety of factors, including loan production, eligibility criteria, applicable purchase conditions and other terms of the program. Oliv undertakes no obligation to update these forward-looking statements except as required by applicable law.

  2. This is not an offer to sell or a solicitation of an offer to buy securities.

  3. Oliv Financial is not a bank. Loans made available through the Oliv platform are originated by Oliv’s bank partners, subject to credit approval, eligibility requirements and applicable terms and conditions.

About Oliv

Oliv Financial is a technology-enabled consumer lending platform that facilitates the origination of unsecured installment loans through a proprietary underwriting framework powered by Edge Focus Origin. By combining traditional credit data, real-time cash flow analytics, payroll and income verification, and proprietary risk models, the platform develops a comprehensive assessment of borrower creditworthiness. This differentiated approach is designed to expand responsible access to credit while supporting disciplined underwriting and institutional-grade portfolio management. Learn more at olivfinancial.com.

About Edge Focus:

Edge Focus delivers technology, capital, and access to consumer credit. Through its proprietary underwriting and portfolio management software, Edge Focus aims to deliver institutional‑grade investment opportunities in consumer loans originated by the nation’s leading lending platforms, in partnership with some of the world’s largest and most sophisticated private credit funds. Learn more at edgefocuspartners.com.

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