Grain YC Application
Grain went through Y Combinator in the Winter 2020 batch as a Fintech company. Below: what the company does, who founded it, and its application to YC, reconstructed question by question in the real YC form.
- YC batch
- Winter 2020
- Industry
- FintechCredit and Lending
- Team size
- 30
- Status
- Active
- Launched
- 2020
Founders
Patrick De SuzaFounder
Christian-Robert JosephFounder
Carl-Alain MemnonFounder
What Grain does
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.
Grain's YC application, reconstructed
Y Combinator application
Grain, Winter 2020 batch. The real form questions, answered from public data.
- Founders2
- Company7
- Progress7
- Idea4
- Equity3
- Curious2
- Batch Preference1
Company
Grain
Transform debit cards into credit lines
Grain is a mobile app that links your existing debit card to a line of credit based on your cash flow. It lets you use your debit card like a credit card without risking traditional credit card debt, targeting millennials, Gen Z, and immigrants who avoid credit cards.
We live in Oakland, CA now, and after YC the company will be based here with remote team members.
We chose Oakland because it's where we live and where most of the team is now. The company is distributed, so we can hire remote but keep our base here.
21 more answers in the full application
Founders, Progress, Idea, Equity, Curious, Batch Preference are in the full version. Create a free account to open it in YC Insights, next to every other YC batch.
Frequently Asked Questions
Is this the real Grain YC application?
No. Y Combinator keeps submitted applications private. This is a reconstruction: the real YC form questions, answered from Grain's public data (launch notes, founder backgrounds, product description). It shows how a company like Grain would present itself to YC, not the text they submitted.
What YC batch was Grain in?
Grain was part of the Y Combinator Winter 2020 batch.
Who founded Grain?
Grain was founded by Patrick De Suza, Christian-Robert Joseph, Carl-Alain Memnon.
What does Grain do?
Grain transforms the debit card you already have into a credit card…
How do I read the full reconstructed application?
Create a free Round Funded account. The full 26-answer version of Grain's application, and every other YC batch, is in YC Insights.
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