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Upgrade Stock (UPGR)
Upgrade is a fintech company that offers credit and mobile banking.
Upgrade is financial services company that aims to offer credit to mainstream consumers, as well as help consumers manage their money.
About Upgrade Stock
Founded
2016
Total Funding
786M
Industries
Financial Services, Mobile, Lending and Investments
Upgrade is a financial technology company that offers credit, mobile banking, and payment products to consumers. Since its inception in 2017, Upgrade claims to have delivered over $40 billion in credit to over 7 million customers. Upgrade’s platform includes six core products: Personal Loans, Credit Cards, Mobile Banking, BNPL, Auto Financing, and Home Improvement Financing.
Upgrade Press Mentions
Stay in the know about the latest news on Upgrade
Buy Now Pay Later (BNPL) Market Opportunities and Strategies Report 2025-2034 | E-Commerce, Smartphones, AI, and Digital Wallets Drive Growth Despite Regulatory, Cybersecurity, and Default Risks
globenewswire • Aug 25, 2025
Personal Loans Market Size, Share, Growth Trends, Key Players, Opportunities and Forecast to 2035
einpresswire • Aug 07, 2025
Rithm to buy $1B in home improvement loans
housingwire • Aug 06, 2025
Rithm Capital Announces Forward Flow Agreement with Upgrade, Inc. to Acquire $1 Billion in Home Improvement Loans
businesswire • Aug 06, 2025
Rithm Capital Enters Forward Flow Deal With Upgrade to Buy $1 Billion in Home Improvement Loans
marketscreener • Aug 05, 2025
Investors in Upgrade
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Upgrade Management
Leadership team at Upgrade
Chief Executive Officer
Renaud Laplanche
Chief Finance Officer
Jeff Bogan
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Upgrade Key Facts
- The personal loan market is expected to continue growing rapidly, and Upgrade is poised to scale as customers turn to "personal loans to consolidate debt and finance major purchases to avoid the bitter pill of higher rates with other financing options." Per the Federal Reserve, credit card debt is growing at the fastest pace in 20 years as inflation pressures consumers’ wallets. This increase in consumer credit demand could translate to a larger target market for Upgrade Cards and Personal Loan services.
- Upgrade’s online platform provides a fast and easy way for consumers to obtain personal loans and monitor their credit scores, which provides a significant competitive advantage.
- Upgrade partners with travel and retail partners that can expand their market share. Partners include brands like Southwest, United, and Universal Parks & Resorts.
- The availability of credit and investor funding is subject to market conditions, which could impact Upgrade’s ability to grow and expand. Notably, “persistent high inflation, rising unemployment, and increasing interest rates will likely drive both lender supply and consumer demand lower. Unsecured personal loan originations are forecast at 19.3 million for 2023, down approximately 13% YoY.”
- As a financial services company, Upgrade is subject to regulatory scrutiny and compliance requirements, which could impact its operations and increase compliance costs.
- The personal loan market is highly competitive, and Upgrade faces pressure from other established players in the market.
Trading Upgrade Stock
How to invest in Upgrade stock?
Accredited investors can buy pre-IPO stock in companies like Upgrade through EquityZen funds. These investments are made available by existing Upgrade shareholders who sell their shares on our platform. Typically, these are early employees who need to fund a life event – house, education, etc. Accredited investors are then offered the opportunity to invest in this stock through a fund, like those used by hedge funds serving large investors. While not without risk, investing in private companies can help investors reach goals of portfolio diversification, access to potential growth and high potential return. Learn more about our Guided Investment process here.
How to sell Upgrade stock?
Shareholders can sell their Upgrade stock through EquityZen's private company marketplace. EquityZen's network includes over 390K accredited investors interested in buying private company stock. Learn more about the easy and guided Shareholder process here.
If I invest, how do I exit my investment?
There are two ways to exit your private company investment on EquityZen's marketplace. The first is if the company has an exit event like an IPO, merger or acquisition. In that case, we will distribute the shares and/or cash to you directly. The second way is through an Express Deal on EquityZen, if eligible. An Express Deal allows you to sell your allocation of private shares in a given private company to another investor on EquityZen's marketplace. More information on Express Deals can be found here and exit information can be found here.
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