Grid
Grid (Hatfield, Inc.) is a U.S. mobile fintech app offering interest-free cash advances (up to $200), W-4 tax optimization (PayBoost), credit building tools, and a Mastercard debit card to underbanked consumers via a freemium $10/month subscription.
- Company typePrivate
- Founded2019
- HeadquartersSan Francisco, United States
- Headcount1–10
- GTM typeB2C
- OfferingSoftware
What Grid does
Grid, operated by Hatfield, Inc., is a U.S. mobile-first fintech application targeting underbanked and budget-conscious consumers with an integrated suite of cash flow, tax, and credit tools. Founded in 2019 and headquartered at 55 Hawthorne Street in San Francisco, Grid offers interest-free cash advances of up to $200, W-4 withholding optimization through PayBoost (positioned to increase take-home pay by up to $250 per paycheck), a Mastercard-branded Grid Card for same-day fund access, and a Credit Builder program designed to raise users' Vantage credit scores. The app is offered in two tiers: a free Basic plan limited to PayBoost and a $10/month Grid+ subscription unlocking cash advances, the card, credit line, and credit builder. Distribution is exclusively digital via the Apple App Store, Google Play, and the getgrid.app self-serve website, with no branches, enterprise sales motion, or international presence.
The underlying platform is built as an orchestration layer on top of third-party infrastructure rather than proprietary banking rails. Grid integrates Plaid for financial data aggregation and payroll access, Synapse Financial Technologies paired with Evolve Bank & Trust (Member FDIC) for the FDIC-insured deposit account and Grid Card issuance, Stripe and Astra for payment processing, Pier Lending and Synapse Credit LLC for Credit Line origination and servicing, and Onefootprint for KYC. Analytics and session replay are handled by Google Firebase, FullStory, and Smartlook, and email delivery is split across Mailchimp, Sendgrid, and Drip. Cash advances are repaid automatically from the user's next paycheck, with optional $2.99 expedited delivery inside 8 hours.
Grid generates revenue primarily through Grid+ subscriptions ($10/month), expedited cash advance delivery fees, referral and arrangement fees from partner lenders (Synapse Credit LLC and Pier Lending, LLC) on Credit Line originations, and affiliate fees from EarnGrid third-party rewards partners. The company is private with no disclosed revenue; it has raised roughly $22.5M across a December 2019 seed and a January 2022 Series A led by Goodwater Capital, with an additional undisclosed capital injection from Topspin reported in February 2026. Co-founder Gernot Zacke is named on the leadership side; no other executive team is publicly disclosed in the source material.
Grid firmographics
Firmographics- Name
- Grid
- Legal name
- Hatfield, Inc.
- Website
- https://getgrid.app
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Grid (Hatfield, Inc.) is a U.S. mobile fintech app offering interest-free cash advances (up to $200), W-4 tax optimization (PayBoost), credit building tools, and a Mastercard debit card to underbanked consumers via a freemium $10/month subscription.
- Ownership category
- akta.pro rank
Grid industry classification
Industry- Product category
- Consumer Fintech / Mobile Banking & Credit Building
- NAICS
- Credit Card Issuing (522210), Sales Financing (52222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Issuer/Network-Led Installments (Card-Based Pay-Over-Time) (FSAGAIAB)
Keywords
Where Grid is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Grid business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Grid+ Subscription: Monthly subscription fee of $10 for premium tier that includes cash advances up to $200, Grid Card, and Credit Line. Basic tier is free and includes PayBoost only.
- Expedited Delivery Fees: Optional $2.99 fee for expedited cash advance delivery within 8 hours to debit card. Standard delivery takes 1-3 days and is free.
- Credit Line Interest: Credit lines facilitated through partner lenders Synapse Credit LLC and Pier Lending, LLC. Grid earns referral/arrangement fees from lenders. Interest rates and terms set by partner lenders.
- EarnGrid Partner Referrals: Grid receives compensation from third-party Earn Partners (games, apps, surveys) for user referrals. Users earn Cash Rewards redeemable through the app.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Basic - Free tier with PayBoost tax optimization |
| Subscription | Monthly | Grid+ - $10/month with cash advances, card, and credit building |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Grid product offering
Product offeringCore offering
Grid (Hatfield, Inc.) operates a mobile-first consumer fintech application that bundles interest-free cash advances up to $200, W-4 tax withholding optimization (PayBoost) to add up to $250 per paycheck, a Mastercard debit card (Grid Card), a revolving credit line, and a Vantage-score-based Credit Builder program. Banking, card issuance, and credit lines are delivered through partnerships with Synapse/Evolve Bank & Trust and partner lenders, while Grid itself provides the software platform, user experience, and credit-building logic.
Product overview
Grid (d/b/a Hatfield, Inc.) is a financial wellness mobile application offering a unified platform for tax optimization, cash advances, and credit building. The product architecture consists of two subscription tiers: Basic (free) providing PayBoost tax withholding optimization, and Grid+ ($10/month) adding Cash Advance up to $200, Grid Card debit card, Credit Line, and Credit Builder program. Core products work together: PayBoost optimizes take-home pay by adjusting W-4 withholdings, Cash Advance provides short-term liquidity, Grid Card enables immediate fund access, and Credit Builder/Credit Line help establish credit history. The platform integrates with Plaid for financial data aggregation, Stripe/Astra for payments, and Synapse for banking infrastructure (FDIC-insured through Evolve Bank & Trust).
Differentiator
Problem solved
Functional benefit
Brands
- PayBoost: Tax optimization service that helps users adjust tax withholdings to increase take-home pay and access tax refunds early
- Grid Card
- Cash Advance
- Grid+
Products and services
- Cash Advance Fee-based cash advance service providing users up to $200 (initial limit lower, may increase with repayment history) without interest or late fees. Standard delivery is 1–3 days (free) and expedited delivery within 8 hours costs $2.99. Repaid automatically from the user's next paycheck. Available to U.S. consumers with a linked checking account.
- PayBoost W-4 tax withholding optimization tool that analyzes payroll and projects tax refunds to recommend withholding adjustments that can add up to $250 per paycheck. Provides IRS forms and instructions and a PayBoost Guarantee that refunds any federal taxes owed due to Grid's calculation errors for eligible users.
- Grid Card Mastercard debit/loan card that enables same-day access to Grid cash advances at no extra cost for Grid+ subscribers, and supports purchases and ATM access. Issued through Synapse Financial Technologies and Evolve Bank & Trust, Member FDIC.
- Credit Line Revolving credit facility offered through partner lenders Synapse Credit LLC and Pier Lending, LLC. Proceeds can be transferred to the Grid Bank Account or Linked Bank Account, or accessed via the Grid Card. Subject to eligibility, credit check, and approval. Grid earns referral/arrangement fees from the lenders.
- Credit Builder
Quantifiable outcome
- Users can receive up to $250 more per paycheck through PayBoost tax optimization
- +2 more outcomes
Companies that use Grid
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles2 records
Grid technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
Feature5 records
Grid partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- Synapse Financial Technologies Inc.coreBackend banking software provider that partners with financial institutions (Evolve Bank & Trust) to provide FDIC-insured bank accounts. Synapse's API enables Grid to offer banking services including direct deposits, ACH transfers, and account management. Grid's Terms of Service incorporates Synapse Terms.
- Evolve Bank & TrustcoreFDIC Member bank that issues the Grid Card (Mastercard Consumer Loan Card) and provides banking services through Synapse partnership. Consumer Interest Checking Account Agreement governs bank account terms.
- Plaid Inc.coreFinancial data aggregation service that enables Grid to access and analyze user bank account data including balances, transactions, and payroll information. Users grant Grid and Plaid permission to access their financial data.
- StripecorePayment processing services provider for customer transactions. Grid's Terms incorporate Stripe Connected Account Agreement and Stripe Terms of Service for payment processing.
- Pier Finance, LLC / Pier Lending, LLCcoreBackend technology service provider and lender for Credit Line and Credit Builder services. Pier handles loan servicing, credit decisions, and Know Your Customer requirements. Grid receives referral fees for directing users to Pier lending products.
- Synapse Credit LLCcoreSEC-registered broker-dealer and affiliate of Synapse that provides credit lines to qualifying Grid users. Governed by Consumer Credit Line Agreement separate from Grid's Terms.
Scale indicators1 record
Recent moves6 records
Expansion highlights5 records
Grid competitors and assessment
Company assessmentDirect peers
- Earnin: Earnin is a direct competitor offering earned wage access / cash advances to U.S. consumers with no mandatory fees. It targets the same underbanked segment and shares the PLG, mobile-first delivery model Grid uses.
- Dave: Dave is a banking app offering ExtraCash advances (up to $500), budgeting tools, and a debit card — directly overlapping Grid's Cash Advance + Grid Card + financial wellness proposition for subprime consumers.
- Brigit: Brigit provides cash advances, credit-building tools, and identity protection to underbanked consumers on a subscription model. It is the closest subscription-priced analog to Grid's Grid+ tier with a comparable advance-plus-credit-builder bundle.
- MoneyLion: MoneyLion is a financial super-app offering cash advances, credit builder loans, investment products, and banking. It directly competes with Grid's all-in-one financial wellness stack and serves a similar underbanked demographic.
- Albert: Albert is a subscription-based fintech app providing instant cash advances, budgeting, and savings tools. Its subscription-plus-advance model and focus on improving financial health closely mirror Grid's positioning.
- Possible Finance: Possible Finance offers small-dollar cash advances and credit-building loans to thin-file U.S. consumers via a mobile app. It competes with Grid on the same underbanked persona and on credit-builder economics.
- Even: Even is an earned wage access and budgeting app partnering with employers to give workers on-demand pay access. It overlaps with Grid's Cash Advance and PayBoost functions on the EWA side of the market.
- Current: Current is a mobile-first neobank offering early payday, debit card, and credit-building tools. It overlaps with Grid on cash-advance, card-issuance, and credit-building product surfaces.
- Varo: Varo is a chartered neobank offering cash advances, high-yield banking, and credit-building products to underbanked consumers. Its product portfolio directly mirrors Grid's stack including advance, card, and credit features.
Broad incumbents
- Chime: Chime is a large consumer neobank offering early direct deposit, fee-free banking, and the MyPay cash advance feature. It competes with Grid across advance, debit card, and credit-building, but at far greater scale and as a broader banking platform.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Grid social profiles
Digital presenceGrid financial estimates
Financial estimateRevenue estimate
Valuation estimate
Grid leadership team
Management profileNumber of profiles
Profiles1 record
Grid funding detail
Funding detailFunding overview
Funding rounds2 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Grid M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Grid
What does Grid do?
Grid (Hatfield, Inc.) operates a mobile-first consumer fintech application that bundles interest-free cash advances up to $200, W-4 tax withholding optimization (PayBoost) to add up to $250 per paycheck, a Mastercard debit card (Grid Card), a revolving credit line, and a Vantage-score-based Credit Builder program. Banking, card issuance, and credit lines are delivered through partnerships with Synapse/Evolve Bank & Trust and partner lenders, while Grid itself provides the software platform, user experience, and credit-building logic.
Is Grid a public or private company?
Grid is a private company. It is classified as venture growth investor backed and is currently operating.
When was Grid founded?
Grid was founded in 2019. It employs 1 to 10 people.
Where is Grid based?
Grid is headquartered in San Francisco, United States, in the North America region.
How does Grid make money?
Four revenue lines are on record. Grid+ Subscription is the primary driver. The others are expedited Delivery Fees, credit Line Interest and earnGrid Partner Referrals.
Who are Grid's main competitors?
Direct peers on record are Earnin, Dave, Brigit, MoneyLion, Albert, Possible Finance, Even, Current and Varo. Chime is listed as a broad incumbent.
Does Grid have an API?
No public API is recorded for Grid.
What industry is Grid in?
Grid's product category is Consumer Fintech / Mobile Banking & Credit Building. Its primary akta.pro industry code is FSAGAIAB, Issuer/Network-Led Installments (Card-Based Pay-Over-Time). Its NAICS code is 522210 and its SIC code is 6141.