Company profile: Upstart
1.1 - Company Overview
Company description
- Provider of an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit by using AI/ML to price credit and automate borrowing. Offers personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar relief loans, and provides the Upstart Macro Index to help lending partners understand macroeconomic impacts on credit performance.
Products and services
- Automotive Retail and Refinance Loans: Proprietary-model-driven lending products for purchasing or refinancing vehicles, delivered through the AI marketplace using schools, field of study, and work experience variables to assess applicants
- AI Lending Marketplace: AI-driven platform connecting consumers with banks and credit unions, pricing credit and automating borrowing via proprietary underwriting using schools, field of study, and work experience
- Personal Loans: Upstart architects personal loan products through its machine-learning-based platform, enabling banks and credit unions to price credit and approve borrowers with limited credit or employment history
Key contacts
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Financial details
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1.2 - Competitors and similar companies to Upstart
Capitalise
HQ: United Kingdom
Website
- Description: Provider of lender matching for UK businesses, using in-house technology and data analytics to identify the best financing options from 360+ lenders. Services include Experian business credit score checks and update assistance, funding eligibility checks, company credit checks, credit risk reduction, and calculators for business loans, asset finance and commercial mortgages.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
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- Total funding raised: $●●●m
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Close Brothers Retail Finance
HQ: United Kingdom
Website
- Description: Provider of omnichannel retail finance enabling shoppers to pay in simple, flexible monthly payments, helping merchants convert more browsers into buyers; active merchants include Samsung Electronics, Mothercare, GAME, Jessops, Ebuyer, Emma Mattress, Cotswold Outdoor, and Victorian Plumbing.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
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FactorTrust
HQ: United States
Website
- Description: Provider of alternative credit bureau services based in Atlanta, Georgia, using unique alternative credit information not available from the Big Three bureaus to help lenders manage the credit lifecycle of underbanked consumers and offer credit to non-prime consumers.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
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Butter
HQ: United Kingdom
Website
- Description: Provider of a virtual card-based Buy Now Pay Later app that lets users spread the cost of shopping from any online store over 2, 3, or 4 monthly instalments at 0% APR. Offers a monthly instalment plan and an app to manage purchases, with rewards earned as users shop, redeemable for discounts on Butter Holidays, a members-only travel platform.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
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- Acquisitions: ●●
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ReadyPrice
HQ: United States
Website
- Description: Provider of mortgage technology for the modern era, making it easier for mortgage loan originators and lenders to work together.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
View full ReadyPrice company profile →
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2.M&A buyers
2.1 Potential strategic acquirers in the sector
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2.2 - Strategic buyer groups for Upstart
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Buyer group 3: ████████ ████████
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3. Investors and private equity firms
3.1 - Buyout funds investing in similar companies to Upstart
2.2 - Growth funds investing in similar companies to Upstart
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4 - Top valuation comps for Upstart
4.2 - Public trading comparable groups for Upstart
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