Upstart is an artificial intelligence (AI) lending platform designed to improve access to affordable credit while reducing the risk and costs of lending for its bank partners. By leveraging AI and machine learning, Upstart's platform goes beyond traditional credit scores to identify creditworthy borrowers. Their model considers variables like education, area of study, and work history. The company aims to make credit more accessible and equitable for individuals who might be underserved by conventional lending practices. Upstart offers personal loans, auto loans, and helps banks and credit unions digitize and modernize their lending operations.
The San Mateo headquarters serves as the central hub for Upstart's executive leadership, core engineering, product development, data science, marketing, and corporate operations.
Modern office facilities designed to foster collaboration and innovation, typical of Silicon Valley tech companies, with open floor plans and various amenities for employees.
Upstart's HQ fosters a fast-paced, innovative, and data-driven work environment. There is a strong emphasis on collaboration, problem-solving, and a mission-driven approach to expanding credit access.
Its location in Silicon Valley provides Upstart with access to top tech talent, venture capital, and a vibrant ecosystem of innovation, crucial for its AI-focused business model.
Upstart's physical office locations are primarily within the United States (San Mateo, CA; Columbus, OH; Austin, TX). While its direct operational footprint is US-based, its AI lending platform serves banking partners and consumers across the United States. The technology and support functions are managed from these U.S. offices. There is no widely publicized significant physical office presence outside the USA for core operations.
2950 S. Delaware Street
San Mateo
California
USA
Address: 711 N High St, Columbus, OH 43215
Leverages the strong talent pool in the Midwest and provides a strategic operational base outside of Silicon Valley, contributing to business continuity and diverse talent acquisition.
Address: 405 Comal St, Austin, TX 78702
Taps into Austin's rapidly expanding tech talent ecosystem and supports Upstart's growth initiatives and operational capacity in the central United States.
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As of April 2025, Upstart' leadership includes:
Upstart has been backed by several prominent investors over the years, including:
Over the past year, Upstart has seen some key appointments strengthening its leadership team, particularly in legal and potentially other strategic areas, while maintaining stability in its core founding team. This reflects a company maturing and bolstering its executive functions for future growth and regulatory navigation.
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Upstart's email format commonly follows a standard pattern for its employees, typically combining parts of an employee's name with the company domain.
first.last@upstart.com or first_initial_last@upstart.com
Format
john.doe@upstart.com
Example
85%
Success rate
Reuters • May 8, 2024
Upstart Holdings projected second-quarter revenue below market expectations and its results for the first quarter also missed estimates, signaling that high interest rates continue to hit demand for its loans....more
Yahoo Finance • February 13, 2024
Upstart Holdings Inc. shares rose in late trading after the company, which uses artificial intelligence to make lending decisions, gave a stronger-than-expected revenue forecast for the current period....more
GlobeNewswire • November 7, 2023
Upstart Holdings, Inc. announced financial results for its third quarter of fiscal year 2023 ended September 30, 2023, reporting revenue and discussing its loan origination volumes and partnerships....more
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