Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 3 companies across 1 category.
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Founded in 2012 as an income-share agreement platform, Upstart pivoted in 2014 to become a personal loan marketplace powered by AI underwriting that goes beyond FICO scores to incorporate education and employment history. The company evolved from marketplace model—originating loans through bank partners like Cross River Bank and FinWise Bank—into a white-label AI lending platform sold to community banks and credit unions. In 2026, Upstart announced it would apply for its own national bank charter, signaling a move to internalize the funding stack and reduce dependence on third-party capital sources and partner bank arrangements.
Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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alt="Ranked #68 of 255 in Lending — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/upstart/install" width="1" height="1" alt="" style="display:none">3 companies are linked to Upstart in the Embedded Finance Index 2026, through their own public disclosures or Upstart's published customer list, including Nxtsoft, Tech CU and First Federal Bank of Kansas City.
Upstart is an embedded-finance provider in Lending. It ranks #68 of 255 Lending providers by linked companies.
Upstart has applied for a national bank charter for Upstart Bank, National Association with the OCC. Status: conditional approval (2026-07-23).
The most-named Lending alternatives to Upstart are Affirm (65 buyers), Klarna (55 buyers), YouLend (46 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).
Upstart was founded by Dave Girouard, Paul Gu and Anna Counselman and is founded in 2012, headquartered in San Mateo, CA.
Upstart has raised ~$144M pre-IPO in total.
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