Upstart is an online lending platform that goes beyond the traditional FICO score to offer personal loans. Our proprietary underwriting model identifies high-quality borrowers despite limited credit by evaluating non-traditional variables including school(s) attended, area(s) of study, academic performance, and work experience, to predict creditworthiness. Upstart offers 3- and 5-year fixed interest loans, which are primarily used to pay off credit cards, consolidate debt, or refinance student loans. Upstart is backed by firms such as Google Ventures, KPCB, Khosla Ventures, Founders Fund, First Round Capital, Eric Schmidt, and Mark Cuban.