Upstart Network Inc.

{{Company
 * name     = Upstart Network Inc.
 * image    = [[File:Upstart.png]]

}} "Getting into credit card debt is easy, but getting out is hard, especially if your credit score isn't great. Thankfully, now, there's Upstart.com, the revolutionary lending platform that knows you're more than just your credit score and offers smarter interest rates to help you pay off your high-interest credit card debt."
 * nicknames =
 * founded  = April 2012
 * founders =
 * Anna Counselman
 * Dave Girouard
 * Paul Gu
 * headquart = San Carlos, California
 * parent   =
 * subsid   =
 * keypeople = Dave Girouard ({{Note|CEO|Chief Operating Officer}}}
 * website  = https://www.upstart.com/

- Ian

Upstart Network Inc. is an online lending marketplace based in San Carlos, California. It provides personal loans using non-traditional variables, such as education and employment, to predict creditworthiness. It was founded by former VP of Google Apps Dave Girouard, Thiel Fellow Paul Gu, and former Manager of Global Enterprise Customer Programs and Gmail Consumer Operations at Google Anna Counselman. Upstart developed an income and default prediction model to determine creditworthiness of a potential borrower; in addition to traditional underwriting criteria such as one's FICO score, credit report, and income, the Upstart underwriting considers academic variables and work history to develop a statistical model of the borrower's financial capacity and personal propensity to repay.

Upstart is an occasional sponsor of SmoshCast, having sponsored three episodes of the SmoshCast throughout 2019.