Earnup
“Can a loan payment automation platform become the indispensable financial wellness OS that lenders and servicers embed to retain borrowers across the full life of loan?”
Founded in 2013 as a loan payment automation platform, EarnUp built patented technology to sync borrower micro-payments with income cycles, targeting mortgage, auto, student, and personal loan debt for over 3 million consumers. The company expanded its value proposition from a consumer tool into a B2B2C engagement platform for lenders, servicers, and credit unions. In its final phase before acquisition, EarnUp pivoted toward AI-powered financial wellness with the AI Advisor product — designed to be embedded into lender and credit union platforms as a customer retention and cross-sell engine. The company was ultimately acquired, with its AI Advisor technology assets separately transacted.