Upstart Holdings Inc. is a financial technology company that operates a cloud-based artificial intelligence lending platform. It connects consumer loan demand with a network of bank and credit union partners, using data-driven models to help assess creditworthiness and streamline lending decisions. The company’s current offerings span personal lending, auto lending, and other credit products, including unsecured personal loans, small-dollar loans, auto refinance, auto retail loans, auto secured personal loans, and home equity lines of credit. Upstart Holdings Inc. serves borrowers and lending institutions in the United States, positioning itself as a technology-enabled platform within consumer finance. Founded in 2012 and headquartered in San Mateo, California, the company focuses on digital lending infrastructure and loan origination services across multiple credit categories.