DECIDING WHO
GETS CREDIT.

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Credit decisions in wholesale are made on thin information, which is why they default to proxies — how long you have traded, who introduced you, whether you look like previous borrowers. Those proxies exclude people who would have repaid, and a platform that records real trade can do better than that.

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What to know

What is actually being predicted

Whether this counterparty will pay, in full, when they said. Everything else is a stand-in for that, and most stand-ins encode who has borrowed before rather than who repays.

Recorded trade beats a proxy

A history of orders placed, delivered and settled on time is direct evidence about the thing being predicted. It is available for participants with no credit file at all, which is most of the world.

Orders completed and settled without dispute
Payment behavior against agreed terms
Delivery reliability where the participant is the seller
Disputes resolved rather than abandoned

The exclusion is the problem worth solving

A trader with a decade of reliable business and no formal record is not a credit risk — they are an information problem, and treating the two as the same is what keeps capital away from the people who have earned it.

What GRAJ does and does not do

It records the evidence, computes contribution from an append-only log, and makes both available to a funder assessing a participant. It does not lend, does not price credit and does not make the decision.

Where to go next

UNDERWRITING

In your account — sign in and it opens on your own figures.

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GETTING PAID BEFORE YOU GET PAID.

Wholesale runs on a gap: you buy or make the goods, ship them, and get paid sixty days later.

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HOW THE GRAJ SCORE WORKS.

Commerce runs on reputation that is not portable.

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FACTORING, AT SMALL SIZES.

Factoring solves the wholesale cash gap: you sell an unpaid invoice at a discount and get paid now instead of in sixty days.