Upstart Holdings Inc.

Upstart Holdings Inc. is a technology-driven financial platform focused on providing more equitable access to credit. Utilizing advanced artificial intelligence models, Upstart aims to enhance loan placement processes by evaluating creditworthiness beyond traditional FICO scores. This approach enables lenders to reach a broader range of borrowers by considering additional data points in their assessment methods. Primarily impacting personal loans, Upstart Holdings serves consumers across various sectors, helping reduce interest rates while minimizing default risks for financial institutions. Founded in 2012 and headquartered in San Mateo, California, Upstart has significantly influenced the fintech and lending sectors by offering a more nuanced risk assessment approach. Its contributions are integral in fostering financial inclusion and supporting economic growth, positioning the company as a pivotal player in the intersection of finance and technology.