behave Competitors

Upstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart AI, lenders can approve more borrowers at lower rates while delivering the exceptional digital-first experience customers demand. More than 90% of loans are fully automated, with no human intervention by Upstart. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans. Upstart is based in San Mateo, California. Upstart Network, Inc. NMLS #936133 | All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873 nmlsconsumeraccess.org

LendingClub Bank — soon to be Happen Bank — is a digital bank built for the Motivated Middle: high-FICO, above average income, digitally savvy consumers actively managing their financial lives. Our difference? We make it easy for them to access award-winning products that help them keep more of what they earn and earn more on what they save. Our products are aligned by design to reward our five million members when they take positive financial steps like saving regularly or making loan payments on time. Our success is fueled by our unmatched credit underwriting, a proprietary technology platform engineered for innovation, and a marketplace bank model that drives durable value for members, loan investors, and shareholders alike. The result is affordable credit, meaningful value, and a trusted banking relationship — delivered consistently and profitably at scale. As we look to our next chapter, we’re choosing a name that reflects why we exist: to clear the way for our members to make it happen.

Oportun (Nasdaq: OPRT) is a mission-driven financial services company that puts its members' financial goals within reach. With intelligent borrowing, savings, and budgeting capabilities, Oportun empowers members with the confidence to build a better financial future. Since inception, Oportun has provided more than $19.7 billion in responsible and affordable credit, saved its members over $2.4 billion in interest and fees, and helped its members save an average of more than $1,800 annually. For more, visit Oportun.com. Oportun's mission is to empower our members to build a better future. Our core values On a mission: We are relentlessly working to create social and financial equity for our members and teammates. As one: We’re one Oportun, communicating with transparency and building a culture of belonging so our work can win. To make it better: We challenge each other to push the limits, always innovating how we can best guide members to financial opportunity. Now: We work with urgency, eagerly seizing opportunities to drive.