Company profile: EarnUp
1.1 - Company Overview
Company description
- Provider of a consumer-first fintech platform that intelligently automates loan payments across mortgages, auto, student, and personal loans. Offers budget-friendly payment scheduling, loan payoff acceleration, and student loan management tools, plus credit card payoff plans with specialists, and services to negotiate lower bills and cancel unused subscriptions.
Products and services
- Loan Debt Repayment Automation: Algorithmic, cross-loan automation that schedules and executes mortgage, auto, student, and personal loan payments on autopilot, allocating funds to accelerate payoff across multiple debts
- Loan Payoff Acceleration: Principal-targeted, automated system enabling additional payments toward loan principal to pay down balances faster and save on interest fees for accelerated debt elimination
- Budget Friendly Payment Scheduling: Rule-based, flexible scheduling that splits large loan payments into smaller, automated debits, aligning withdrawals with affordability to keep payments consistent without manual intervention
Key contacts
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Financial details
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1.2 - Competitors and similar companies to EarnUp
Earnest
HQ: United States
Website
- Description: Provider of student loan refinancing and personal loans, using technology that evaluates thousands of data points beyond credit scores—such as education, saving patterns, investments, and career—to offer low-interest loans to financially responsible, high-potential borrowers.
- 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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Sindeo
HQ: United States
Website
- Description: Provider of mortgage services offering home buyers a straightforward path to homeownership and refinancing through unbiased Mortgage Advisors and a high-tech, transparent, low-cost process.
- 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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Gedesco
HQ: Spain
Website
- Description: Provider of receivables financing to small and mid-sized companies throughout Spain.
- 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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AutoFi
HQ: United States
Website
- Description: Provider of a commerce platform delivering a point-of-sale solution for online vehicle financing and purchasing, connecting auto dealers' customers to a network of lenders. Offers a digital retail platform integrating with dealership systems for online and in-store sales, stand-alone credit applications, automated offer lead response, online trade-in tools, soft credit checks, and a full desking solution.
- 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: ●●
View full AutoFi company profile →
ZestCash
HQ: United States
Website
- Description: Provider of installment loan services enabling customers to take the time they need to pay off their loans; based in Palatine, Illinois.
- 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 ZestCash 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 EarnUp
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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 EarnUp
2.2 - Growth funds investing in similar companies to EarnUp
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4 - Top valuation comps for EarnUp
4.2 - Public trading comparable groups for EarnUp
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