Banking lending

Grain

Website

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

Overview

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.

Company description As recorded 2026-11-08
LinkedIn
Banking lendingConsumer appConsumersConsumerTransaction fee

Founders & team

Previously Grain Technology, Inc. d/b/a Grain

Company history As recorded 2026-11-08
30team members reported
Source-reported As recorded 2026-09-15

News & product activity

Sources & observations

Y Combinator

Profile depthverified profile
Website observationsite error
Last website check2026-11-11
Location · source statedSan Francisco, CA, USA; Oakland, CA, USA; Remote
Pricing evidenceNo pricing page confirmed
Maturity: Not assessed · 3 of 6 areas documented

Source-based assessment · automated evidence rules

The latest website check does not confirm this company’s website.

Maturity is an evidence-based assessment, not a success rating. It may understate the current stage where evidence is limited. Coverage records documented areas, not a complete or independently audited company history.

Stage definitions
independent websitesource corroborationdescriptive evidenceclassified market and modelsourced people
startup.observe Directory coverage · Sources & method