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Upstart

Upstart runs an AI-powered lending marketplace using machine learning and alternative data to connect consumers with over 100 banks and credit unions in the United States.

Upstart, founded in 2012 and headquartered in San Mateo, California, is an AI-powered lending marketplace that connects consumers with banks and credit unions. The company applies machine learning to credit decisioning, using more than 3,000 signals per borrower drawn from alternative data to inform lending outcomes. Its platform links millions of consumers with over 100 financial institution partners across the United States.

The firm's technical work spans artificial intelligence, machine learning, credit risk modeling, alternative data analytics and fintech platform engineering. These capabilities underpin its consumer products - personal loans, debt consolidation loans and auto financing - as well as its role as a technology partner for financial institutions modernizing their lending operations with AI-driven underwriting.

Upstart operates in the consumer lending, banking, credit union, fintech, auto finance and personal finance sectors, serving both direct-to-consumer borrowers and institutional lenders in the US market.

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