Upstart
AI-powered credit decisioning platform for consumer lending and portfolio growth.
Overview
Upstart is an AI lending marketplace that provides credit decisioning solutions to grow prime households and expand consumer lending safely. It offers personal lending, home lending with HELOCs, and auto lending solutions powered by automated digital experiences.
The platform leverages over a decade of AI development, utilizing large datasets and advanced models to deliver accurate credit performance and fast digital lending. Upstart supports lenders with strategic portfolio advisors and borrower cross-sell solutions to optimize returns and deepen customer relationships.
Upstart's AI models provide better risk separation than traditional credit scores and enable high automation rates, facilitating efficient loan origination and portfolio diversification for lending partners.
Key Features
- + AI-driven credit decisioning models
- + Personal loan origination
- + Home Equity Line of Credit (HELOC) lending
- + Auto lending and auto refinance solutions
- + High automation of loan approvals
- + Borrower cross-sell and multi-product marketing
- + Strategic portfolio advisory services
- + Fast digital lending experience