# 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)