Upstart is the leading AI lending platform designed to expand access to affordable credit. With more than $3.3B in loans originated, Upstart has loss rates less than half those of peer platforms for borrowers with similar FICO scores. Almost two- thirds of Upstart loans are approved instantly and are fully automated. Upstart's patent pending platform is the first and only to receive a no-action letter from the Consumer Financial Protection Bureau related to fair lending. Upstart was founded by ex-Googlers in 2012 and is based in San Carlos, CA and Columbus, OH.