Grain Technology (YC W20)

We build financial technologies to improve access, process efficiency, and portfolio management. Our flagship products are Atlas and Velex. Founded in 2017, Grain began with a mission to democratize credit, driven by our experiences with the limitations of traditional credit structures. We reimagined how credit decisions are made and developed a consumer credit iOS app that widened possibilities for consumers, serving 470K users. In 2023, we pivoted focus to applying the innovations in financial service technologies developed for the consumer credit market to help enterprises deploy capital. Velex is an automated cash-flow scoring solution that helps businesses manage risk and get more precise insights to better qualify borrowers. Atlas is a cloud-based all-in-one portfolio management solution to originate, manage, and service portfolios anytime, anywhere.