Upstart Holdings, Inc. is a financial technology company founded in April 2012 by Dave Girouard, Anna Counselman, and Paul Gu.

Headquartered in San Mateo, California, it operates as a public company. Upstart's AI lending platform connects consumers to over 100 banks and credit unions, using non-traditional variables like education and employment to predict creditworthiness. The company pivoted in 2014 from its initial Income Share Agreement product to a personal loan marketplace.

Notably, Upstart went public through an IPO in late 2020. As of 2022, it generated a revenue of $842 million with a total asset value of $1.94 billion, employing 1,875 people. upstartlab is tagged under AI lending platform.

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