Overview
Upstart operates what its annual report calls an AI lending marketplace: its models assess borrowers’ credit risk and route loans to partner banks, credit unions and capital-markets buyers[12]. Revenue in 2025 was US$1.04 billion[12]. The company’s principal executive offices are in San Mateo, California, and it had 1,405 full-time employees at the end of 2025[12]. Upstart is included here because its product is the output of proprietary machine-learning models; it is a lending business, not a model developer. Its 10-K lists the ability to keep improving the AI models, to increase loan volume through the marketplace and to maintain diversified loan funding among the factors that drive results[12]. Its revenue depends on credit conditions and on the willingness of funding partners to buy loans.
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Upstart alternatives and competitors
Alternatives to Upstart: companies ranked in the same lists.
- NVIDIA
Scale AI
WhiteFiber- MiniMax
- Recursion Pharmaceuticals
Rezolve AI
Nscale
Kodiak AI
Aurora Innovation
Figure AI
Crusoe
Mistral AI
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