Upstart Holdings Inc.

About Upstart Holdings Inc.

Upstart is a financial services company that offers personal loans, car loan refinancing, debt consolidation, and home equity lines of credit through an AI-driven platform. Their mission is to provide accessible and affordable credit solutions with low fixed rates, fast funding, and no hidden fees, helping over 3 million customers achieve their financial goals.

Products & Services

Personal Loans:Unsecured loans ranging from $1,000 to $75,000 for various purposes like debt consolidation, weddings, home improvements, moving, and medical expenses, with no prepayment penalties and next-day funding.

Car Loan Refinance:Refinancing options to replace existing car loans, offering average yearly savings of $1,400, with quick rate checks and no prepayment penalties.

Home Equity Line of Credit (HELOC):Offered through Upstart Mortgage, ranging from $26,000 to $250,000, with fast funding and competitive rates.

Short-term Relief Loans:Loans from $200 to $2,500 for everyday expenses, with clear costs (up to 36% APR) and repayment terms of 3-18 months.

Debt Consolidation:Loans to consolidate debt, including credit card debt, to simplify payments and potentially lower rates.

Specialties

AI-driven lending Credit assessment Personal finance solutions

Funding History

Debug: View Raw Funding Data

#	Type	Amount Fields	Date Fields	Investors
1	RT: Securitization T: - FT: Securitization	A: 320000000 MR: - FA: $320 million FAN: 320000000	D: 2025-09-05 FD: 2025-09-05	-
2	RT: Debt - Convertible Senior Notes T: - FT: Debt - Convertible Senior Notes	A: 600000000 MR: - FA: $600,000,000 FAN: 600000000	D: 2025-08-12 FD: 2025-08-12	-
3	RT: Convertible Senior Notes T: - FT: Convertible Senior Notes	A: 500000000 MR: - FA: $500,000,000 FAN: 500000000	D: 2025-08-11 FD: 2025-08-11	-
4	RT: Securitization T: - FT: Securitization	A: 294510000 MR: - FA: $294.51 million FAN: 294510000	D: 2025-06-11 FD: 2025-06-11	-
5	RT: Convertible Debt T: - FT: Convertible Debt	A: 425000000 MR: - FA: $425,000,000 FAN: 425000000	D: 2024-11-15 FD: 2024-11-15	-
6	RT: Convertible Senior Notes T: - FT: Convertible Senior Notes	A: 425000000 MR: - FA: $425,000,000 FAN: 425000000	D: 2024-11-12 FD: 2024-11-12	-
7	RT: Debt Securitization T: - FT: Debt Securitization	A: 208001000 MR: - FA: $208.001 million FAN: 208001000	D: 2024-10-23 FD: 2024-10-23	-
8	RT: Debt T: - FT: Debt	A: 375000000 MR: - FA: $375,000,000 FAN: 375000000	D: 2024-09-17 FD: 2024-09-17	-
9	RT: Convertible Senior Notes T: - FT: Convertible Senior Notes	A: 300000000 MR: - FA: $300,000,000 FAN: 300000000	D: 2024-09-16 FD: 2024-09-16	-
10	RT: Debt T: - FT: Debt	A: 194740000 MR: - FA: $194.74 million FAN: 194740000	D: 2023-10-20 FD: 2023-10-20	-

Securitization Latest

2025-09-05

$320.0M

Debt - Convertible Senior Notes 2025-08-12

$600.0M

Convertible Senior Notes 2025-08-11

$500.0M

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Growth Metrics

+45%

Employee Growth

YoY

3.2x

Funding Growth

Last Round

12

Markets

Operating

10K+

Customers

Active

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Team & Leadership

D

Dave Girouard

Co-Founder & CEO

P

Paul Gu

Co-Founder & Chief Technology Officer

S

Scott Darling

Chief Legal Officer & Corporate Secretary

B

Becca Gelenberg

Chief People Officer

S

Sanjay Datta

Chief Financial Officer

A

Annie Delgado

Chief Risk Officer

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