Upstart

Upstart Holdings, Inc. is a fintech company based in Palo Alto, California, founded in 2012. The company specializes in using artificial intelligence to enhance the lending process, connecting consumers with banks and credit unions. Upstart's mission is to reduce the cost and complexity of borrowing for Americans by leveraging AI models and cloud applications, allowing lenders to approve more borrowers at competitive rates. The company offers a range of AI-powered lending products, including personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar relief loans. Upstart partners with over 100 banks and credit unions, enabling them to utilize its AI technology for improved borrower approval rates and portfolio growth. The platform also provides services tailored for lenders and auto dealers, focusing on digital-first experiences and efficient financing solutions. Upstart continues to innovate in the lending space, emphasizing responsible AI use and inclusive credit access.