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Grow your loan portfolio
With banks 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.

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

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

Acquire new customers by offering rate discounts to those opening a deposit account with your bank.
Verify, approve and fund

Nearly 70% 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.
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
Set your parameters
Set more than 15 criteria including minimum credit score, maximum debt-to-income ratio, loan sizes, geography and more.

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.

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.

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

Verify, approve and fund
Nearly 70% 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.

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.
2 As of 9/30/2020. Fully automated loans are defined as loans originated end-to-end (from initial application to final funding) with no human involvement.