Grand

What Grand does

Grand is the first AI-powered credit intelligence platform for the real-world economy, serving industries such as construction, manufacturing, auto, hospitality, and logistics. It replaces static credit reports with a continuous, real-time view of how companies behave. Grand helps businesses understand whom they extend credit to, payment terms, and unsecured loans, surfacing early signals of risk and growth. This platform aims to become the foundation for an intelligent payment network where businesses can extend credit, move money, and transact with confidence. Grand maintains live company profiles for over 6.2 million UK companies, continuously monitoring filings, directors, ownership, compliance events, financial performance, and risk signals.

Products

• Grand ProfileHelps businesses understand whom they extend credit to, payment terms, unsecured loans, etc. — surfacing early signals of risk and growth so they can act sooner. It provides a live profile with risk, capacity, director history, and twelve live signals for credit decisions.

Key capabilities

• Real-time profile updates
• Early warning signals
• AI agent support
• Business profile overview (Structure, Trading Status, Filing Behaviour, Financials, Credit Capacity, Risk of Failure analysis)
• Compliance analysis
• Corporate Structure analysis
• Director Experience analysis
• Momentum analysis
• Monthly credit allocation
• Businesses monitored (up to 1000+)
• Portfolio dashboard
• AI analysis summary overview
• AI-powered reporting
• Public/Industry/Anonymous viewing modes
• Scheduled reporting
• Profile PDF reports
• Official company & court filings downloads
• API access
• Workspaces
• User management
• Advanced data table searches, views and lists
• Case management & automated workflows
• SSO / SAML
• Custom integrations
• Custom data connections
• Dedicated implementation
• Customer support
• Priority onboarding and migration support
• VIP feature access
• Grand AI (connects filings, structure, and behaviour to explain insights)
• Contextual prompts for insights
• Search any UK business
• Company details (active directors, ownership, entity type, registered address, company group)
• Overview (evaluates company in context of size, complexity, maturity)
• Trading status (detects real operating activity)
• Compliance screening (sanctions, legal-risk, adverse media flags)
• Filing behaviour analysis (tests filings for correctness, missing data, distortion)
• Risk of failure estimation (probability of business not being around in 12 months)
• Credit capacity (combines liquidity, cashflow, forward-looking risk signals for annual capacity and monthly limit)
• Monitoring (notifies when meaningful shifts occur)
• Early signals (flags events like strike-offs, administration, sudden changes)
• Data & Events (full financial picture, filings, figures as connected timeline)
• Oversight (save partners, activate monitoring, manage portfolio, push/pull data to ERP/CRM)
• Contacts (business relationships management)
• Inbox (alerts, compliance updates, early signals)
• Intelligence Engine (powers credit checks, risk monitoring, onboarding, AI analysis)
• Perpetual KYB & AML (continuous monitoring of ownership, sanctions, PEP status, adverse media, directors, beneficial owners)
• Commercial intelligence (identifies businesses growing, investing, hiring, expanding, restructuring, increasing capacity)

Use cases

• Credit control
• Risk management
• Assessing financial health of companies
• Extending credit
• Onboarding suppliers
• Approving customers
• Entering commercial relationships
• Continuous monitoring of customers, competitors, suppliers, borrowers, partners
• Identifying early signals of risk and growth
• Setting payment terms
• Managing unsecured loans
• Business credit checks
• Financial health indicators
• Company directors assessment
• Ownership structures analysis
• Compliance checks
• Filing behaviour analysis
• Risk signals identification
• Growth indicators tracking
• Relationship intelligence
• Assessing new accounts
• Deep research
• Credit workflow integration
• AML monitoring
• Perpetual KYB
• Fraud prevention
• B2B sales intelligence
• Identifying buying signals
• Prioritising sales accounts
• Engaging with commercial context
• Uncovering opportunities before competitors
• Credit risk maturity assessment

AI approach

Grand uses AI to explain credit risk, score movement, exposure recommendations, and monitoring alerts in plain English, based on live company data and cited evidence. The AI does not create the underlying risk model, invent facts, or make credit decisions, but interprets verified signals and analysis blocks. It connects filings, structure, and behavior to explain insights and guides users with contextual prompts. Every claim is tied to source data, or the AI states it does not know.

Tech named: AI agent

Industries served

• Construction
• Manufacturing
• Auto
• Hospitality
• Logistics
• FinTech
• Payments
• Lending
• Trade credit
• Wholesale
• Distribution
• Insurance

What it says sets it apart

• First AI-powered credit intelligence platform for the real-world economy
• Replaces static credit reports with continuous, real-time view of company behavior
• Maintains live company profiles for over 6.2 million UK companies
• Continuously monitors filings, directors, ownership, compliance events, financial performance, and risk signals
• Provides understanding (risk, capacity, integrity) rather than just data
• Grand AI explains insights, connecting filings, structure, and behavior
• Grand AI provides contextual prompts and answers grounded in data and reasons
• Tests filing behavior for correctness and distortion, not just showing filings
• Estimates risk of failure based on financial, structural, and behavioral signals, not just a score
• Combines liquidity, cashflow, and forward-looking risk signals for credit capacity
• Notifies users when meaningful shifts occur in monitored profiles
• Early signals flag events like strike-offs and administration before they impact numbers
• Provides a single, connected timeline of financial data and events
• Integrates with CRM, ERP, onboarding, lending, risk, compliance, and workflow systems via APIs
• Grand AI interprets live company profiles and cites evidence, rather than creating underlying risk models or inventing facts
• Grand AI explains why risk numbers moved, provides credit capacity rationale, identifies affected blocks, cites evidence, indicates confidence in data, suggests next questions, and recommends actions
• Continuously monitors counterparties for compliance (ownership, sanctions, PEP, adverse media, directors, beneficial owners)
• Keeps compliance files current automatically, addressing the aging of traditional compliance reviews
• Combines compliance data and credit data on the same entity record for cross-team visibility
• Monitors observable company changes (hiring, expansion, financing, ownership changes, capacity growth, momentum improvement) for commercial intelligence, rather than inferred intent
• Focuses on commercial opportunity AND buying capacity for prospect prioritization

Funding rounds we track

From the AI funding tracker — rounds as reported by the linked publications.