Upstart Holdings, Inc. — Investor Relations & Filings

Upstart Holdings, Inc. operates a cloud-based artificial intelligence (AI) lending platform. The platform functions as a marketplace, connecting consumers seeking credit with a network of partner banks and credit unions. Upstart's proprietary AI model leverages non-traditional variables, in addition to traditional credit metrics, to assess risk and determine creditworthiness. This approach aims to improve access to affordable credit for consumers while reducing risk and operational costs for its lending partners. The company facilitates the origination of various consumer loan products, including unsecured personal loans, automotive refinance loans, and home equity lines of credit (HELOCs).