Upstart Holdings, Inc. is a financial technology company based in San Mateo, California, that leverages cloud-based artificial intelligence to enhance the lending process with a focus on personal loans. By utilizing sophisticated machine learning algorithms, Upstart aims to improve credit decisioning, enabling higher approval rates and lower interest costs for borrowers while offering lenders a deeper understand of risk. The company's innovative platform represents a shift in traditional lending practices, positioning Upstart as a key player in the evolving landscape of AI-driven financial services.