Upstart Holdings

Upstart Holdings, Inc. operates an AI-powered lending marketplace that connects consumers with bank and credit union partners for personal loans, auto loans, and home equity lines of credit. Its underwriting model uses machine learning and non-traditional data alongside credit scores to assess borrower risk, and it does not itself act as the lender on most loans. The company is a public, Nasdaq-listed fintech (ticker UPST) based in Burlingame, California.