Network Capital 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

We’re Zopa, and we want to make money work better for you. Our diverse team is united in their mission of creating simple, fair and honest financial products that have the customer’s needs at their heart. We’re proud that this dedication is reflected in our excellent rating on TrustPilot. We’ve always been unapologetically honest with our customers, and value the same in return. Their feedback helps us shape what we build, so we can provide a bank fit for today, and for the future. We’re not the new kids on the block though - we’ve been a pioneering force in finance for 16 years. In 2005, we built the first ever peer-to-peer (P2P) lending company, giving our customers access to loans built for real-life and intelligent investments backed by cutting-edge tech. In 2020, we launched Zopa Bank, meaning we could offer more – like fixed term savings backed by FSCS protection and a credit card to help customers take control of their finances. We’ve lent out over £6 billion and are proud to have made money work better for over half a million people across the UK, whether they were looking to borrow or save.

Upgrade is a fintech unicorn founded in 2017. Since then we’ve helped customers access over $25 billion in consumer credit, with millions of families across America using a credit line, personal loan, or Rewards Checking or Premier Savings account through Upgrade. We are looking for new team members who get excited about designing and delivering new and better products. Come join us if you like to tackle big problems and make a meaningful difference in people's lives! Our innovative Upgrade Card has been the fastest growing credit card in America (Nilson Report) for two years in a row. We’ve been named a “Best Place to Work in the Bay Area” for the last three years, as well as one of the “Top Companies to work for in Arizona” in 2021 and 2022. We’ve also been recognized as a best company for Diversity, Women, Veterans, Culture, Compensation, Engineering, and Overall Outlook by team members on Comparably.