Upstart is a financial technology company that offers a lending platform powered by artificial intelligence. It aims to improve access to affordable credit while reducing the risk and costs associated with lending for banks and other financial partners. By utilizing AI models, Upstart evaluates potential borrowers based on a broad range of factors beyond traditional credit scores, such as education and employment history, to offer more inclusive and potentially lower interest rate loans. The platform is designed to streamline the borrowing process, allowing applicants to apply for personal loans online quickly and efficiently.