Upstart
ProviderEmbedded-finance provider tracked in the Embedded Finance Index — disclosed by 3 companies across 1 category.
CategoriesLending
Rank#60 of 223 in Lending
Buyers3 companies
RegulatoryConditional approval · National bank
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Charter application · Conditional approval
Upstart Bank, National Association · National bank · OCC · Wilmington, DE.
Conditional approval · Corporate Decision 1382 · 2026-07-23
Own charter for the AI lending marketplace, which has originated through partner banks (Cross River, FinWise) since 2012.
Who uses Upstart
3 companies disclose Upstart in their stack
What the disclosures say
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Upstart? Claim this profile above to unlock your own full list.
Alternatives to Upstart
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 #60 of 223 in Lending — Embedded Finance Index 2026">
</a>
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