2020 IPO

Upstart Stock

Lending platform that leverages machine learning

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Notable Investors

New Enterprise Associates


San Carlos CA, US

Total Funding


About Upstart Stock

Founded by ex-Googlers, Upstart is the first lending platform to leverage artificial intelligence and machine learning to price credit and automate the borrowing process. The company's proprietary underwriting model identifies high-quality borrowers despite limited credit and employment history by using variables including schools attended, area of study, and work experience. Upstart offers 3-year and 5-year fixed-rate interest loans, which are primarily used to pay off credit cards, consolidate debt, make large purchases, or invest in vocational education. In addition to its direct-to-consumer lending platform, Upstart provides technology to banks, credit unions and other partners via a “Software-as-a-Service” offering called Powered by Upstart.


Funding History

April 2012$1.7M
December 2012$5.9M
November 2014$16.9M
June 2015$35.0M
November 2016$55.6M
October 2018$100.0M


Co-Founder & Chief Executive Officer

Dave Girouard

Co-Founder & Product

Paul Gu

Co-Founder & Head of Operations

Anna M. Counselman


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