Upstart UPST

FinanceMarket cap $2B2 connections

Upstart uses AI to underwrite personal loans, assessing creditworthiness using 1,600+ variables beyond just FICO scores. It claims its model approves 43% more borrowers at lower default rates than traditional credit models. Banks and credit unions license Upstart's AI to approve loans they would have otherwise rejected.

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Partners 2

Strategic partnerships, joint products and alliances

JPMorgan ChaseFinance · $912BBanks license Upstart AI for loan underwriting
Bank of AmericaFinance · $396BBank of America evaluates Upstart credit models

Other Finance companies

JPMorgan Chase Berkshire Hathaway Visa Mastercard Bank of America Morgan Stanley Goldman Sachs Wells Fargo American Express BlackRock

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Relationships are compiled by VexMap from company filings, announcements and reporting, and last reviewed September 2026. Spotted something wrong? Tell us. Not investment advice.