Upstart

Upstart is a technology-driven financial services company that provides personal loans using non-traditional variables, such as education and employment, to predict creditworthiness. The company aims to offer a fair and fast personal loan service, allowing individuals to consolidate their debt, pay for medical bills, or fund their business ideas. By using artificial intelligence and machine learning, Upstart assesses more than just credit scores, providing a more comprehensive approach to understanding an individual's financial standing.

Founded in 2012 by ex-Googlers, the company has been expanding its reach and transforming the lending industry by making credit more accessible. Upstart also offers a platform to banks and other lenders, allowing them to implement the same AI modeling in their own lending process. This means that Upstart not only provides loans to consumers, but also helps other financial institutions make more informed lending decisions.