Upstart is a lending platform that uses artificial intelligence and machine learning to automate the borrowing process. The company was founded in 2012 by ex-Googlers and has since originated over $10 billion in loans. Upstart's platform uses non-traditional variables such as education and employment history to determine creditworthiness, which allows for more accurate risk assessment and better loan terms for borrowers. The company went public in December 2020 and is listed on the NASDAQ under the ticker symbol UPST.