Upstart

Upstart is a financial technology company that leverages artificial intelligence and machine learning to offer personal loans and other credit products. They make money by partnering with banks and credit unions to provide these loans, earning fees for facilitating the lending process. Founded in 2012 by ex-Googlers, Upstart has pioneered the use of non-traditional variables such as education and employment history to assess creditworthiness, aiming to improve access to affordable credit. The company's innovative approach has positioned it as a disruptor in the lending industry.

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