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GrainGrain transforms the debit card you already have into a credit card…

Grain is a mobile app that transforms the debit card you already have into a credit card by linking it to a line of credit based on your cash flow. For the millennials, Gen Zs, and immigrants who are afraid of falling into crippling credit card debt, there is now a distinct market opportunity to offer an alternative to how these 100M people access and manage credit.

2020-03-12
Active
Early
W20
30
Fintech
United States of AmericaAmerica / CanadaRemoteFully Remote
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More About Grain

Grain | Credit Solutions for Businesses

Revolutionizing Creditworthiness Beyond Credit Scores

Key Features

  • Cash-flow centered underwriting
  • Real-time, precise results
  • All-inclusive credit underwriting for businesses and consumers
  • Line of credit up to $5,000 for personal accounts
  • No physical card issuance for personal credit

Use Cases

  • Businesses seeking accurate credit assessments
  • Consumers needing a flexible line of credit
  • Companies requiring real-time financial insights
  • Individuals looking to enhance their creditworthiness based on cash flow

Pricing

  • 1% finance charge on credit withdrawals
  • Sign-up fee and monthly service fee apply
  • Detailed terms available in the Credit Agreement and Terms of Service

Teams

Grain's dedicated team focuses on providing innovative credit solutions tailored to both businesses and consumers. Our experts ensure that creditworthiness is evaluated comprehensively, beyond traditional credit scores, leveraging cash-flow data for more accurate underwriting.

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