Upstart Holdings Inc. operates an artificial intelligence (AI) lending platform that offers personal loans and credit card and other debt consolidations. The company, founded by David Joseph Girouard, Anna Mongayt Counselman and Paul Gu in December 2013 is headquartered in San Mateo, California. Upstart operates locally in the United States.
Upstart identifies lending risks through machine learning models. The platform totals consumer loan demands and relates these to the company’s bank partners. The company announced partnering with Abound Credit Union, a Kentucky-based credit union and proponent of education, as of October 2021. Upstart uses the UPST ticker on the NASDAQ.