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Upgrade, Inc. logo — Improving access to affordable responsible credit since 2017...

Upgrade, Inc.

Improving access to affordable responsible credit since 2017.

Founded 2016 United States San Francisco, United States 1595 employees Series F Total: $587.00M Finance, Financial Services +3

General Information

Company Name Upgrade, Inc.
Founded Year 2016
Location United States San Francisco, United States
Founders / Decision Makers
Team member
Employees 1595
Industries Finance, Financial Services, Fintech +2
Funding Stage Series F
Business Model B2C, Embedded Finance
Revenue Model Transaction Fee, Service Fee, Usage Based
Offices as of Oct 2026
San Francisco, United States Phoenix, United States Montreal, Canada Wilmington, United States
Social

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How does Upgrade, Inc. compare?

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Recorded by Bounce Watch from public sources. Every entry below carries the date we observed it, and when we have not looked recently the page says so rather than leaving silence to imply nothing happened.

Regulatory Approval Oct 13, 2026

Upgrade Inc. has filed for a Bank Charter to expand its consumer credit options.

Upgrade, Inc. a competitor of yours? Have our desk watch it

AI Insight

Bounce Watch AI
1 month ago

Upgrade, Inc. is strategically expanding its market presence and product utility, evidenced by a significant new B2B partnership with Ashley Stewart, Inc. to provide Flex Pay flexible payment options. This customer acquisition, combined with a substantial recent update to its company website, suggests an ongoing push into new distribution channels and a refresh of its digital offerings to attract more users and partners.

Signal Types
Business Development Product Update
Strategic Labels
Market Expansion Product Adoption Digital Enhancement
Next Move: Expansion
·
Impact: 8/10
·
Ideal For: Late-Stage Fintech Investors

About Upgrade, Inc.

Upgrade, Inc. is based in San Francisco, United States, and operates within the finance and fintech industries. The company provides a range of financial services to individual borrowers and consumers, focusing on personal loans, credit card services, and mobile banking solutions.

Founded in 2016, Upgrade, Inc. offers services such as credit monitoring, buy now pay later options, and auto loan refinancing. Its business model is primarily B2C, with embedded finance elements, generating revenue through transaction fees, service fees, and usage-based charges. The company's target customers include individuals needing debt consolidation, credit card users, and bank account holders.

Business keywords: FinTech, Neobank, Personal Loans, Consumer Credit, Credit Monitoring, Credit Cards, Installment Lending, Mobile Banking, Financial Education, Credit Lines, Home Improvement Financing, Auto Financing, Savings Accounts, BNPL, Deposit Accounts

Services & Products

Personal Loans
Credit Card Services
Buy Now Pay Later
Credit Monitoring
Checking and Savings Accounts
Auto Loan and Refinancing
Cash Back Reward Programs

Target Customers

Individual Borrowers Consumers in need of Debt Consolidation Homeowners seeking Home Improvement Financing Credit Card Users People interested in Buy Now Pay Later options Bank Account Holders

Pricing

as listed on Oct 31, 2026

On request

Upgrade, Inc.'s pricing page

Funding Rounds & Investors (7)

View All
Funding Stage Amount Investors Lead Investors Date
Series F $280.00M 10
Ribbit Capital DST Global Vy Capital
Ribbit Capital, DST Global +8
16 Nov 2021
Series E $105.00M 5
Black River Ventures Koch Disruptive Ventures NevCaut Ventures
Black River Ventures, Koch Disruptive Ventures +3
11 Aug 2021
Series D $40.00M 10
Mouro Capital Ribbit Capital Union Square Ventures
Mouro Capital, Ribbit Capital +8
17 Jun 2020
Series C $62.00M 10
FirstMark Ribbit Capital Scale-Up Venture Capital
FirstMark, Ribbit Capital +8
23 Aug 2018
Series B $40.00M -
27 Feb 2018
Series A $60.00M 9
FirstMark Union Square Ventures Vy Capital
FirstMark, Union Square Ventures +7
13 Mar 2017
Series A Undisclosed 3
Hard Yaka Vander Capital Partners
Hard Yaka, Vander Capital Partners +1
02 Mar 2016

Upgrade, Inc. Alternatives & Competitors

View All Alternatives
Upgrade, Inc. vs
Fintonic
Fintonic Spain

Spain’s preferred platform to unlock the best loans, build your credit score and save money in finan...

104 employees
Big Data, Finance
Compare Upgrade, Inc. vs Fintonic
Upgrade, Inc. vs
Avant
Avant United States

Moving financial lives forward.

946 employees
Finance, Financial Services
Compare Upgrade, Inc. vs Avant
Upgrade, Inc. vs
Credit Karma
Credit Karma United States

On top of your money. On top of the world.

Acquired
1446 employees
Finance, Financial Services
Compare Upgrade, Inc. vs Credit Karma
Also compare with: Upgrade, Inc. vs Borrowell Borrowell View all alternatives

FAQ About Upgrade, Inc.

Improving access to affordable responsible credit since 2017.
Upgrade, Inc. was founded in 2016.
Upgrade, Inc. is headquartered in San Francisco, United States. As of Oct 2026, it also has offices in Phoenix, United States, Montreal, Canada and Wilmington, United States.
Upgrade, Inc. operates in Finance, Financial Services, Fintech, Mobile and Banking. Its work centres on FinTech, Neobank, Personal Loans and Consumer Credit. Its customers include Individual Borrowers, Consumers in need of Debt Consolidation and Homeowners seeking Home Improvement Financing.
Upgrade, Inc. has a B2C and Embedded Finance business model. Its revenue comes from Transaction Fee, Service Fee and Usage Based.
As listed on Upgrade, Inc.'s pricing page on Oct 31, 2026: On request.
Upgrade, Inc. has approximately 1595 employees.
Upgrade, Inc. has completed 7 funding rounds, raising a total of $587.00M. The latest funding stage is Series F.
Upgrade, Inc. offers: Personal Loans, Credit Card Services, Buy Now Pay Later, Credit Monitoring, Checking and Savings Accounts, Auto Loan and Refinancing, Cash Back Reward Programs.
Top alternatives and competitors to Upgrade, Inc. include Fintonic, Avant, Credit Karma, SoFi, LorMet Community Federal Credit Union. These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.
Upgrade, Inc. and Fintonic are both companies in similar industries. Compare their funding, team size, growth signals, and market position on Bounce Watch to see which one fits your needs.

Source: BounceWatch company record for Upgrade, Inc., https://bouncewatch.com/company/upgrade-inc, updated 31 October 2026. When citing, please name BounceWatch and link this page.

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