earn.com/chrisdeboerGAIN Credit is constantly pushing the boundaries of lending science, and reshaping what it means to be a fintech company.We were founded in 2003, with the vision of creating a world-class analytics team. As we honed our proprietary underwriting process, we went from simply providing analytics, to creating innovative loan products ourselves.Our superior underwriting allows us to responsibly lend to customers who may be unwilling, or unable, to take out a loan from traditional banks. Through rigorous testing of everything from psychometric data, voice analysis software and even social media profiles, we’re able to accurately determine creditworthiness far beyond a two-dimensional credit score.