About us
Upstart is the leading AI lending marketplace.
We aim to radically reduce the cost and complexity of borrowing for all Americans by using our proprietary AI models to remake the entire lending process. Long-term, our vision is to become the always-on, everything-store for credit, where we can automatically approve borrowers at the right prices – instantly and effortlessly.
Since inception (as of Q3’25)1:
events:
Upstart AI Day 2025
Upstart's inaugural investor day featured presentations from senior leadership, offering insights into the company’s industry-leading AI platform, the structural advantages of its business model, and the expansive growth opportunity ahead.
Shareholder letter
When macro conditions finally stabilized, we were able to finally see the results of years of effort to build a better, stronger enterprise. What emerged was an Upstart in the best fighting condition in our history.
Dave Girouard
Co-Founder & CEO
