Grain

Grain

Transform your debit card into a credit card

1.0•6 reviews•

4 followers

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Grain hooks your existing debit card to a responsible line of credit based on your income and spending.
Grain gallery image
Grain gallery image
Grain gallery image
Grain gallery image
Launch tags:
Fintech
Launch Team

What do you think? …

Christian
Maker
Hey folks! We’ve been working hard to build a product that makes people feel empowered through their credit management. Grain turns your debit card into a credit card by syncing with your primary checking account, analyzing your income and spending patterns; then offering up a line of credit tailored to you (not your credit score). We never run a credit check. We never reject anyone. We don’t issue a physical card. Key features include: - Automated Payments - Overdraft Prevention - Automated Credit Builder - Automated Credit Limit Increases - Credit Score Monitoring - Credit Reporting - Personalized Credit Score Insights and Recommendations In response to COVID-19 and to ease financial strain from those who might be feeling it right now, we’re cutting our minimum payments in half. We’d be remiss not to mention our bank partner, Ponce Bank, who was critical in launching Grain. Our partnership with them has been truly innovative! We’d love to hear what you think!
Saeed Richardson
@christianrjo Might seem like a crazy question, but how did you manage to partner with Ponce? Really curious as I'm developing an app that hold funds until release at a later date and we've been looking at so many financial institutions that are not willing to partner with us for an innovative application development. Are you able to answer (even if privately) more about that? Thanks.
Christian
Maker
@saeed_richardson shoot me an email
David J Giraudy
@christianrjo Need any investors?
Jasminda
@christianrjo hi Christian. I have been a customer since Dec 2020. I need your help. One day my account was block and the app kept re-routing me. I always pay my bill on time and I’ve been building credit. I’ve been calling the 833 # no response, recording - that’s it. I came down to Regis in Oakland and no one was there to help me. I don’t want my credit ruined. I’ve been sending countless emails since December. One day my app said I need to submit my social security card and I need a picture of myself. When since December 2020 my bank account as well as me paying my bill in a timely manner. I need your help. I was also asked to make the payment to PayPal? PLEASE HELP! I can’t get anyone to respond. Christina sent an email yet I can’t speak or talk to anyone
Erika Hairston
This is so needed right now and such a sleek product! Awesome that you've cut the min payment in half. Can't wait to recommend Grain to so many of my friends.
Christian
Maker
@erika_hairston1 Thank you for your support!
Abeer Desai
A great step forward in the battle to regain control over our financial lives. Thank you!
Christian
Maker
@abeer_desai Thanks!
Sasha Giraldo
@abeer_desai question once you pay you minimum because it’s a revolving line of credit shouldn’t you be able to have acess to withdraw again after paying the minimum
Sasha Giraldo
@christianrjo i question once you pay you minimum because it’s a revolving line of credit shouldn’t you be able to have acess to withdraw again after paying the minimum also WHY IS IT SO HARD TO TALK TO A REAL REP
Christian
Maker
@sasha_giraldo B/c it takes a couple of days for the payment to clear, you'll have access to the updated balance then. The best way to get assistance is to email us at help@trygrain.com