Upstart is a software company based in the United States that specializes in financial software and services. Founded in 2012, the company has grown to employ between 1,001 and 5,000 individuals and reported significant revenue. Upstart focuses on leveraging technology to enhance access to credit, as evidenced by its published research reports, including the "2022 Access to Credit Report" and the "2023 Access to Credit Report." These documents explore themes related to credit access, providing insights into the financial landscape and the challenges faced by consumers in obtaining credit. The reports reflect Upstart's commitment to understanding and addressing the complexities of credit access, positioning the company as a knowledgeable player in the financial technology sector. Through its research, Upstart aims to contribute to discussions on financial services and improve the overall accessibility of credit for individuals. The company's emphasis on data-driven insights underscores its role in the intersection of technology and finance.