Upstart Holdings, Inc.

UPST | Nasdaq | CIK: 0001647639 | SIC: 6199 Finance Services | active
Upstart Holdings, Inc. is an AI-powered lending marketplace founded in 2012 that facilitates personal loans, auto loans, and home equity lines of credit (HELOCs). Using proprietary AI models, Upstart aims to improve credit risk assessment beyond traditional FICO-based systems, enabling higher approval rates and lower interest rates. Loans are funded through a network of bank and credit union lending partners, institutional investors, securitization programs, and balance sheet holdings. In 2025, 91% of loans on its platform were fully automated.
consumer-personal-lendingauto-lendinghome-equity-lines-of-credit-(heloc)ai-based-credit-underwritinginstitutional-loan-investmentai-and-machine-learning-models-for-credit-underwritingautomated-income-and-identity-verificationfraud-detection-algorithmsloan-stacking-behavior-identification
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Products

NameTypeDescription
Upstart AI Lending MarketplaceplatformAI-powered marketplace facilitating personal, auto, and HELOC loans with automated underwriting and risk separation.
Upstart Auto Finance SoftwaresoftwareSoftware used by auto dealerships to facilitate automotive retail lending through Upstart's platform.
Upstart.complatformPrimary consumer-facing portal for accessing Upstart-powered loans.
Securitization and Pass-Through ProgramsservicePrograms allowing institutional investors to invest in securities collateralized by Upstart-powered loans.

Partnerships

PartnerTypeDescription
Banks and Credit Unions (lending partners)strategicLending partners retain or purchase loans originated on Upstart's marketplace; accounted for 26% of loan principal in 2025.
Institutional InvestorsstrategicInstitutional investors purchase loans and invest in securitizations; accounted for 64% of loan principal in 2025.

SEC Filings

View all SEC EDGAR filings: EDGAR Company Page

Structured filing index: /api/company/UPST/filings

Origin — Data Provenance
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