Codex 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

Lendio is transforming small business lending by connecting small businesses, lenders, and small business service providers through a single integrated technology platform. The Lendio Marketplace matches business owners with funding from over 75 lenders and financial partners, all through one simple online application. Lendio’s Embedded Marketplace brings this experience seamlessly to small business service providers’ ecosystems, allowing them to embed a full loan application and funding solution within their platform. For banks and lenders, Lendio’s purpose-built software integrates within their tech stack to automate small business loan decisioning, underwrite applicants, and connect financial institutions with curated applicants from Lendio’s direct and embedded marketplaces. With a single technology platform, Lendio is fueling the dreams of small business owners wherever they seek capital. Since 2011, Lendio has facilitated more than 520,000 small business loans and other financing options totaling over $17 billion.

Celtic Bank provides capital to small businesses and banking infrastructure to fintechs. FDIC-insured, 25+ years operating, one of the largest SBA lenders in the country. We operate across three business lines: 𝗦𝗕𝗔 𝗟𝗲𝗻𝗱𝗶𝗻𝗴: One of the largest SBA lenders in the U.S. SBA 7(a) loans, SBA 504, and Celtic Express for fast working capital. Thousands of small businesses funded. 𝗖𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝗙𝗶𝗻𝗮𝗻𝗰𝗲: Asset-based lending, equipment financing, construction loans, and working capital for businesses across industries. 𝗙𝗶𝗻𝘁𝗲𝗰𝗵: Card issuing, merchant acquiring, lending, and embedded finance, all under one banking relationship. One of the largest issuers in the United States, operating across Visa, Mastercard, and American Express. For more information, visit us today at www.CelticBank.com or call us at (800) 509-6191. Equal Housing Lender. Member FDIC NMLS #500016