Startups and other small-scale enterprises face significant challenges in accessing financial services. It is difficult for them to prepare the documents needed to prove financial soundness, and the screening processes of financial institutions are complex. Early-stage companies in particular often lack performance records, placing them at a disadvantage in securing loans or attracting investment.


The AI-based financial accounting platform “Grantor” (CEO Lee Young-in) announced that it has added financial-related services to address these issues. Specifically, it now provides funding, equipment procurement, and policy fund matching services, and for this it has formed partnerships with five specialized firms: Olafintech, DailyPay, 276 Holdings, Pierrot Company, and IB Solution.

The core of this partnership is the utilization of financial data accumulated in Grantor. Companies that have digitalized their financial accounting systems through Grantor can use the data stored on the platform to prove their financial soundness. This reduces the need to prepare separate documents or go through multiple rounds of telephone consultations, as was previously required.

Financial soundness demonstrable with digital financial data

Grantor is an AI financial accounting platform that automatically collects and organizes tax invoices, card and account transaction histories, and sales and settlement data. Its key feature is “AI automatic classification of account titles,” which, once cards and accounts are linked, uses AI to automatically recognize transaction details and recommend and assign appropriate account titles.

It also offers a feature that recommends account titles when users make natural language queries, using an accounting knowledge database. Beyond simple bookkeeping, it provides management insights through AI-based search and analysis. Currently, about 7,000 companies, including both corporations and sole proprietors, are using the service, with strong adoption among startups and small enterprises such as Channel Talk, Bunyangtong, Titan Class, and EO Planet.

When users link their accounts or Hometax, up to 12 months of sales data are automatically collected, and the service is provided by sharing these data with partner financial institutions. A Grantor official said, “It is possible to use the service through simple communication without preparing separate documents or going through complicated screening processes.”

Three sales-based funding services

The first category of services offered by Grantor is funding. In partnership with three firms—Olafintech, DailyPay, and 276 Holdings—it provides three types of services. These are aimed at companies that need funds but are uncertain where and how to secure them.


“REVEN” by Olafintech is an advance-settlement service that allows companies to receive short-term funds in advance by reflecting real-time sales data. Olafintech CEO Kim Sang-su stated, “REVEN enables companies to secure the necessary short-term funds within 24 hours without affecting their credit,” adding, “For Grantor customers, it is provided at a daily fee rate of 0.035%.”

DailyPay is a service that provides funding based on a company’s recurring sales flows. Funds can be used in line with the scale and pattern of sales, and applications are accepted regardless of industry. A DailyPay representative said, “If a corporation has recurring monthly sales, it can securitize future sales regardless of industry or years in business,” adding, “We offer a first-month fee waiver for partner customers.”

“FlowPay” by 276 Holdings is a service in which raw and subsidiary materials are supplied first and payment is made later in line with the timing of sales. It can be used to improve the cash flow of manufacturing and distribution companies. A 276 Holdings representative said, “This service is designed to resolve funding gaps that arise in the course of transactions for small and medium-sized companies,” adding, “We offer fee reductions for partner customers.”

Installment purchase service for IT equipment

The second category is equipment rental. In partnership with Pierrot Company, Grantor provides two services. As AI and various other digital services have recently been launched, companies need a wider array of IT devices. These services are designed to respond effectively to such needs.


“phoneGO” is a service that enables installment-based purchases of IT devices such as laptops and tablets, allowing companies to introduce necessary equipment while reducing the burden of initial costs.

“Apple device group purchase” is a service that enables group purchases of Apple devices at the corporate level. It can reduce the cost burden for companies purchasing multiple devices at once. Pierrot Company Director Kim Hoe-chang explained, “phoneGO is a service that handles IT device purchase, management, and resale all at once.”

AI-based policy fund matching service

The third category is policy fund matching. In partnership with IB Solution, Grantor provides an AI-based policy fund matching service. Various government agencies and local governments operate diverse corporate support policies, but many companies are not aware of what programs exist or how to use them, making this a useful service.


The service analyzes a company’s industry, size, and financial status using AI, and then experts match it with policy funds and support programs from the government and local authorities. IB Solution General Manager Hwang In-beom said, “Taking into account the different circumstances of each company, we distinguish between sources where funds can be secured immediately and those that require prior preparation, and present a funding roadmap,” adding, “Grantor customers can receive the initial screening free of charge.”

Customized services realized through simultaneous collaboration with five specialized firms

One of the distinguishing features of this initiative is that collaboration with all five partner companies began simultaneously. Grantor emphasizes that by collaborating with multiple financial and non-financial companies rather than partnering with a single provider, it is able to offer services tailored to a wide range of corporate situations.

In an interview with reporters, Grantor CEO Lee Young-in said, “Startups and small enterprises can improve their access to financial services by leveraging digitalized financial data,” adding, “We plan to expand our services so that companies can address not only financial management, but also funding, equipment purchases, and policy fund utilization, all on a single platform.”

Grantor’s financial services can be checked and used via the menu within the Grantor platform or on the Grantor website.

IT Donga reporter Kim Young-woo (pengo@itdonga.com)

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