Credable Group 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.

Tala is the first financial platform for the Global Majority. Our leading money app bridges digital and cash ecosystems to deliver instant access to credit, payments, savings, and transfer services to millions of customers on three continents. Powered by advanced technology and human creativity, Tala is reinventing financial infrastructure to solve what legacy institutions can’t or won’t, in order to unlock global economic progress. Tala has raised nearly half a billion dollars in investments and debt, backed by leading venture and impact investors including Upstart, the Stellar Development Foundation, RPS Ventures, the J. Safra Group, IVP, Revolution Growth, Lowercase Capital, and PayPal Ventures. Tala has been named to Fortune’s Impact 20, CNBC’s Disruptor 50 list four years in a row, and Forbes’ Fintech 50 list for eight consecutive years. Tala’s impact has been highlighted by the New York Times, NPR, Forbes, the Financial Times, the Wall Street Journal and TED, among others. Tala is headquartered in Santa Monica with offices in Nairobi, Manila, Mexico City, and Bangalore.