Grand, an AI-powered FinTech building a payment network for the construction, manufacturing and trade supply industries, has raised $5m in pre-seed funding led by 20VC, with participation from NAP and firedrop.
The round will support the development of Grand’s core proposition: replacing static credit reports with a continuous, real-time view of how businesses actually behave. The company’s first product, Grand Profile, surfaces early signals of risk and growth to help businesses understand who they are trading with and act sooner on that intelligence.
Grand points to the scale of the problem it is targeting: B2B trade across construction, trade and supply chain industries exceeds $15 trillion globally, yet the credit decisions underpinning those transactions still rely on data that is months or years out of date. In the UK alone, over 25,000 company insolvencies were recorded in 2023 — the highest figure in three decades — with unsecured creditors typically recovering nothing, it said.
The company is building what it describes as an AI-powered trust network that monitors risk, growth and stability across trade partners in real time, flagging early signals of both rising risk and improving reliability as they occur. Over time, Grand intends the platform to evolve into a full payment network where businesses can extend credit, move money and transact with confidence across the trade supply chain.
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