Upstart is an AI-driven lending marketplace that partners with banks and credit unions to enhance access to affordable credit for consumers. By utilizing advanced algorithms, Upstart enables these financial institutions to achieve higher loan approval rates and lower loss rates, creating a more inclusive lending environment across diverse demographics. The company emphasizes a digital-first approach, allowing most employees to work remotely throughout the United States, while also maintaining offices in locations such as San Mateo, California; Columbus, Ohio; and Austin, Texas. Upstart's mission centers on facilitating effortless credit based on true risk assessment, and the organization values diversity and inclusion in its workforce. Employees are encouraged to collaborate closely, fostering a culture of innovation and support that aims to improve the overall lending experience for customers.