Upstart Referral Network
Put your deposits to work
The Upstart Referral Network helps you build a profitable consumer loan portfolio matching your risk profile.

Start growing your portfolio now

Volume
$1M-$50M

per month

Net annualized return1
~8%
Live in
60 Days

Grow your loan portfolio

With lenders experiencing record levels of cash deposits and reduced demand for loans, Upstart can offer an easy way to put your cash to work.

With the Upstart Referral Network, you can build a profitable consumer loan portfolio tailored to your desired risk profile. The Upstart Referral Network is powered by Upstart’s AI lending platform, enabling fast, all-digital originations and accurate risk-based pricing.

How you benefit

Expand and diversify your loan portfolio

Invest in short-term personal loans

Reach more creditworthy borrowers nationwide

Convert borrowers into deposit customers via built-in incentives

Get started quickly with minimal investment

All applicants sourced via Upstart.com

100% digital origination – no disruption to your bank network or existing processes

Upstart provides servicing and collections – no increased call volume for you

Control your risk profile

Specify your own credit box, risk tolerance and geographic focus

Monitor loan performance with Upstart’s near real-time performance console

Start with loan volumes as low as $1 million per month and adjust as you go

How it works

Oval
Set your parameters​

Set more than 15 criteria including minimum credit score, maximum debt-to-income ratio, loan sizes, geography and more

Oval

Reach borrowers

Upstart’s robust marketing engine uses advanced online and offline strategies to drive demand at Upstart.com where we present your offer of credit to the right applicants.

Oval

Present your rate offer in minutes​

Your loan offer is presented under your brand.

Mobile friendly application allows users to finish their application in one sitting.

Upstart’s risk-based AI model individually prices and matches applicants within your credit criteria resulting in higher approvals and lower losses.

Oval

Acquire new customers​

Acquire new customers by offering rate discounts to those opening a deposit account with your bank.

Oval

Verify, approve and fund

Nearly 71% of loans fully automated.2

Upstart’s expert staff manage all exception processes for higher-risk applications.

Same day all-digital signature process.

Next-business day loan funding.

Oval

Optimize loan portfolio​

Monitor loan performance with your near real-time performance console.

Adjust your lending parameters and increase or decrease loan volume based on your needs.

How it works

Oval

Set your parameters

Set more than 15 criteria including minimum credit score, maximum debt-to-income ratio, loan sizes, geography and more.

Oval

Reach borrowers

Upstart’s robust marketing engine uses advanced online and offline strategies to drive demand at Upstart.com where we present your offer of credit to the right applicants.

Oval

Present your rate offer in minutes

Your loan offer is presented under your brand.

Mobile friendly application allows users to finish their application in one sitting.

Upstart’s risk-based AI model individually prices and matches applicants within your credit criteria resulting in higher approvals and lower losses.

Oval

Acquire new customers

Acquire new customers by offering rate discounts to those opening a deposit account with your bank.

Oval

Verify, approve and fund

Nearly 71% of loans fully automated.2

Upstart’s expert staff manage all exception processes for higher-risk applications.

Same day all-digital signature process.

Next-business day loan funding.

Oval

Optimize loan portfolio

Monitor loan performance with your near real-time performance console.

Adjust your lending parameters and increase or decrease loan volume based on your needs.

Request info

Learn how to put your cash to work and profitably grow your consumer loan portfolio with the Upstart Referral Network.

1 Program lending parameters are highly configurable and set within the bank’s risk tolerance. Net annualized return (NAR) is calculated as weighted average coupon minus expected annualized losses. Represents the three month average NAR as of 2/28/2021 received by Upstart bank partners using the Upstart Referral Network.

As of 6/30/2021 Fully automated loans are defined as loans originated end-to-end (from initial application to final funding) with no human involvement.