Upstart Holdings Inc is a financial technology company that leverages artificial intelligence and advanced algorithms to improve the loan origination process

By utilizing a data-driven approach, the company enables lenders to make more informed credit decisions, ultimately facilitating faster and more accurate personal loans for consumers. Upstart's platform analyzes a wide variety of data points beyond traditional credit scores to assess risk, which helps expand access to credit for individuals who may be underserved by conventional lending practices. Additionally, Upstart partners with banks and credit unions, providing them with tools to enhance their lending operations while promoting financial inclusion.