# Upstart
> Upstart is a leading artificial intelligence (AI) lending platform that partners with banks and credit unions to provide consumer loans using non-traditional variables. Founded by former Google executives, it aims to improve access to credit while reducing the risk and costs of lending for partners.
- URL: https://optimly.ai/brand/upstart
- Slug: upstart
- BAI Score: 88/100
- Archetype: Challenger
- Category: Fintech
- Last Analyzed: April 11, 2026
## Also Referenced By
- Fair Isaac Corporation (FICO) (https://optimly.ai/brand/fair-isaac-corporation-fico)
- Alternative Lending Criteria (https://optimly.ai/brand/alternative-lending-criteria)
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## Full Details / RAG Data
### Overview
Upstart is listed in the AI Directory.
Upstart is a leading artificial intelligence (AI) lending platform that partners with banks and credit unions to provide consumer loans using non-traditional variables. Founded by former Google executives, it aims to improve access to credit while reducing the risk and costs of lending for partners.
### Metadata
| Field        | Value |
|--------------|-------|
| Name         | Upstart |
| Slug         | upstart |
| URL          | https://optimly.ai/brand/upstart |
| BAI Score    | 88/100 |
| Archetype    | Challenger |
| Category     | Fintech |
| Last Analyzed | April 11, 2026 |
| Last Updated | 2026-04-12T12:22:02.917Z |
### Verified Facts
- Founded: 2012
- Headquarters: San Mateo, California
### Also Referenced By
- Fair Isaac Corporation (FICO) (https://optimly.ai/brand/fair-isaac-corporation-fico)
- Alternative Lending Criteria (https://optimly.ai/brand/alternative-lending-criteria)
### Links
- Canonical page: https://optimly.ai/brand/upstart
- JSON endpoint: /brand/upstart.json
- LLMs.txt: /brand/upstart/llms.txt