Upstart

Upstart is a financial technology company that provides personal loans and financing solutions by using artificial intelligence algorithms. It evaluates a broader range of data—such as education, employment history, and income—to assess creditworthiness more accurately than traditional credit scores. This allows for more personalized lending decisions, often enabling individuals with limited credit history to qualify for loans. Upstart aims to make borrowing fairer and more accessible while helping lenders reduce risk and improve profitability through data-driven insights.