Upstart

The AI lending marketplace redefining how America borrows.

[Upstart @Upstart]

We broke down the whole “why” here: https://t.co/VYSY0KiNWR

[Upstart @Upstart]

We're working toward opening Upstart Bank, and the "why" behind that ambition matters.

Today, we operate across 248 state licenses, 100+ origination partners, and 4 federal regulators. That's a lot of moving parts, and it creates real inconsistency for the people we serve.

A federal bank charter changes the equation: a cleaner, more direct path to get capital to the people who need it.

Here's the full picture ⬇️

[Henry @HenryInvests]

📅 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) 🦁🦁

[Upstart @Upstart]

A national bank charter will help us better serve our customers — similar pricing in all 50 states, expanded loan approvals, and a voice in shaping AI lending rules. Learn more in @NYTimes. https://t.co/2IjSQ0Q2WY

[Upstart @Upstart]

Tune into @paulxgu's Fireside Chat at the J.P. Morgan Global Technology, Media & Communications Conference today at 1:15pmPT / 4:15pmET. Link here: https://t.co/dli1pdMLFA

[Upstart @Upstart]

Read the full announcement here: https://t.co/2gh0bVMyXg

[Upstart @Upstart]

We’re excited to welcome Tim Wennes to our Board of Directors, effective May 28.

Tim is the former CEO of Santander US, where he led a major digital transformation of the bank's US operations.

[Upstart @Upstart]

Tim has spent 35+ years at the intersection of banking and innovation, an invaluable perspective for Upstart.

As we scale within the financial ecosystem and continue our evolution toward becoming a more diversified financial institution, having a seasoned operator like Tim in the boardroom ensures we're building with the right discipline.

[Upstart @Upstart]

🔗 Full press release here: https://t.co/eHjfDTXCSp

[Upstart @Upstart]

We're pleased to welcome USF Credit Union to our family of lending partners.

From USF CU's Richard Sellwood: "By partnering with Upstart, we're able to expand access to credit using AI-powered technology, while maintaining the human, member-first experience our community expects."

[Upstart @Upstart]

Catch the full interview here: https://t.co/VRgSvA58iv

[Upstart @Upstart]

The traditional model for determining someone's creditworthiness doesn't paint the full picture.

As @paulxgu quipped on the @AmerBanker podcast:

"It actually helps your FICO score if you just open up tons of credit cards and don't use them. If you were advising your friend on leading a good financial life, you would never in a million years think to say, 'Hey, the best thing you can do is go open up 10 new credit cards right now and just keep them in your wallet.' That would be crazy."

[Upstart @Upstart]

Upstart's philosophy?

We use every data point we possibly can - both traditional and nontraditional variables. For our customers, that means more people get approved at lower rates.

[Upstart @Upstart]

🎥 Upstart CEO @paulxgu spoke with @YahooFinance's @joshuahlipton about the latest $UPST Q1 results and how AI credit lending is an unambiguous good:

“I think there's an opportunity to apply AI to credit not only to expand access, make it easier, but ultimately to bring the amount of money that people have to spend getting money, getting credit, dramatically down. And we can make everybody wealthier as a result."

🔗 Full interview here: https://t.co/GxH3EgyYzI

[Paul Gu @paulxgu]

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:

[Upstart @Upstart]

Head to our Investor Relations site ▶️ https://t.co/JgzpneNN0L for the Q1 call replay and financial results.

[Upstart @Upstart]

$UPST Q1 results are in - @paulxgu’s first earnings report as CEO - marking a solid start to 2026 for Upstart.

Check out some highlights below 👇

[Upstart @Upstart]

This quarter we introduced Cash Line, our first revolving credit product, giving customers more flexible, always-on access to funds. We also applied for a national bank charter to improve efficiency as we scale and strengthen how we serve customers across the nation.