@Upstart

The AI lending marketplace redefining how America borrows.

 San Mateo, CA
upstart.com
Joined February 2012
  • Tweets7.1K
  • Following1.9K
  • Followers19.3K
1.2KMedia
"Econ 101: in a perfectly competitive market, you can't grow, be profitable, and make good loans." @paulxgu says @Upstart pulls off the trifecta anyway, by spotting borrowers the market structurally undervalues and passing the savings back as better rates.
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For most Americans, ~10% of discretionary income goes straight to interest payments. Fix that and you've effectively given every working American a 5% real raise. @paulxgu of @Upstart on the scale of impact he's chasing.
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Upstart retweeted
Paul Gu
@paulxguAug 4
Upstart Q2 results are out, and I’m 100 days into the new job. Sharing a few highlights and reflections:
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Upstart retweeted
Paul Gu
@paulxguJul 6
The recipe for new products @Upstart is prove borrower demand, prove credit performance, prove investor demand, prove unit economics, roughly in that order. Our recent Cash Line product just turned 3 months old and is by far our fastest product to step 1. While the absolute numbers are still tiny and there is a long way before this is a real business, solving a real borrower need is the foundation for everything. Cash Line does that.
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Tomorrow at 11:20AM EST, @HenryInvests sits down with @Upstart CFO Andrea Blankmeyer for an exclusive live interview. We’ll be talking Upstart, AI lending, the road ahead, and what investors should be watching from here. Live on X and YouTube.
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Henry
@HenryInvestsJun 1
📅 Mark Your Calendars! Friday, June 12th • 8:30 AM PT / 11:30 AM ET • I'll sit down with @Upstart $UPST CFO Andrea Blankmeyer LIVE 🚨 Have a question you'd like to ask Andrea? Drop it below and I'll bring the best to the stage 🎙️ Watch live right here on X @HenryInvests or @Rebellionaire (X & YouTube) 🦁🦁
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Paul Gu
@paulxguMay 5
First quarter in the books as CEO. Earlier today, we reported a strong start to the year. If you didn't listen, here's my main takeaways:
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Last week I shared the following email with Upstarters. The next phase of @upstart will be incredible! 💙
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AI is taking us to a world of "always on" credit. It's no longer a process - it's an attribute. Available to you with zero process, perfectly priced. For every American. That's what we're building.
Upstart
@Upstart9 Jun 2025
Why are most traditional loan experiences so frustrating? Five reasons—and with Upstart, most borrowers can skip them all. CEO @davegirouard walks us through it:
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There are 5 layers in a foundation model for credit. No one else is even trying. 🤷‍♂️
Upstart
@Upstart4 Jun 2025
Replying to @Upstart @davegirouard
Watch Dave Girouard explain:
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.@upstart will be among the most important and impactful vertical AI companies in the world.
Upstart
@Upstart6 Jun 2025
$UPST didn't set out to be an AI company. We set out to fix credit. And we realized over a decade ago—AI was the only way. @davegirouard
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The teal is for real!
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"Always-on credit for every American" Join us Wed 9am ET & learn about the future of AI lending! $UPST
Upstart
@Upstart12 May 2025
👀 WATCH: Upstart's inaugural AI Day investor event! ⏰ WHEN: Wednesday, May 14 @ 9am ET 🔗 WHERE: upstart-ai-day-2025-webcast.… $UPST leadership will go deep into our AI advantage, our category-of-one business, and the significant opportunity ahead of us. Don't miss it!
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“Our home product grew 52% quarter-to-quarter and our auto product grew 42% quarter-to-quarter, so rapid diversification, and I feel like we’re doing really well right now Upstart CEO @davegirouard says on $UPST Q1 earnings.
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AI-driven lending platform Upstart’s auto originations surged 369.2% year over year in the first quarter despite seasonal softness. #AutoRefinance #Earnings hubs.la/Q03lKDbF0

Upstart auto originations surge 369%

AI-driven lending platform Upstart’s auto originations surged 369.2% year over year in the first quarter despite seasonal softness.

autofinancenews.net
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Looks like the pre-seed slide you show to a VC.
Upstart
@Upstart6 May 2025
$UPST Home originations ($M)
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Thanks to the team at @upstart for an incredible quarter! ⭐️📈 * 89% growth in transaction volume * 67% growth in revenue * 20% Adj EBITDA margin * 32% of personal loans were super prime (720+) * 52% sequential growth in Home * 42% sequential growth in Auto
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What happens when your bank doesn't get you. . . . a few seconds at @upstart.
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"Best rates, best process for all"
Caleb Ford
@Caleb___Ford18 Apr 2025
Tested $SOFI personal loan to see if the new funding meant they'd finally approve outside of traditional prime. Guess @SoFi's model's not there yet but fortunately $UPST saves the day if I let SoFi send me to other offers. @Upstart's 5 year loan offered the lowest monthly payment
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We’re thrilled to welcome @Affirm to our growing coalition of organizations committed to expanding access to affordable, inclusive credit for American consumers and small businesses. Together, we’re advancing a fairer financial future. businesswire.com/news/home/2…
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