Grain Technology (YC W20)

Grain Technology (YC W20) is a financial technology company focused on revolutionizing credit scoring by using cash flow data instead of traditional credit scores. Their flagship product, Velex, offers businesses a unique all-inclusive risk model that analyzes real-time consumer financial activity, enabling them to make more confident lending decisions and expand their customer base. This innovative approach unlocks access to credit for underserved populations who may have limited credit history, fostering financial inclusion.

Grain's mission is to democratize access to credit. They offer both a business-facing product (Velex) and a consumer-facing product (a mobile app that allows users to build credit through their cash flow) with the goal of providing more equitable and accessible financial services for all. Grain is committed to building a future where creditworthiness is based on financial behavior, not outdated credit scores, allowing individuals to access the financial resources they deserve.

Grain Technology is a company focused on democratizing credit by leveraging cash-flow data to create a more inclusive and accurate credit assessment system. Their mission is to empower both individuals and businesses by providing access to financial opportunities that were previously unavailable due to traditional credit scoring methods. This includes offering personal credit lines based on cash-flow rather than credit history and providing businesses with a smarter decision-making tool for evaluating potential customers. Through their innovative approach to credit underwriting, Grain aims to create a more equitable and accessible financial landscape.

Grain Technology promotes a culture of innovation and inclusivity, focused on expanding financial opportunities for businesses and consumers. The company was founded by individuals who faced challenges with the traditional credit system and are passionate about building a more equitable system. Grain fosters a collaborative environment where team members are encouraged to share ideas and contribute to the company's mission.

Grain Technology (YC W20) prioritizes diversity, equity, and inclusion by recognizing the limitations of traditional credit scoring systems and building a platform that leverages cash-flow data to create more inclusive credit opportunities for businesses and consumers. This approach ensures that individuals with thin or missing credit histories are not excluded from financial opportunities, promoting a fairer and more equitable financial landscape.