Founded Year



Series F | Alive

Total Raised




Last Raised

$280M | 6 mos ago

Mosaic Score

+20 points in the past 30 days

What is a Mosaic Score?
The Mosaic Score is an algorithm that measures the overall financial health and market potential of private companies.

About Upgrade

Upgrade is an online lending platform that combines personal loans with free credit monitoring, helping users secure more affordable credit in the long run.

Upgrade Headquarter Location

275 Battery Street 23rd Floor

San Francisco, California, 94111,

United States


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Upgrade's Products & Differentiation

See Upgrade's products and how their products differentiate from alternatives and competitors

  • Upgrade Card

    Upgrade Card is the only credit card that is "good for you": it comes with low-cost credit and helps consumers pay down their balance faster

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Research containing Upgrade

Get data-driven expert analysis from the CB Insights Intelligence Unit.

CB Insights Intelligence Analysts have mentioned Upgrade in 4 CB Insights research briefs, most recently on Mar 22, 2022.

Expert Collections containing Upgrade

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

Upgrade is included in 8 Expert Collections, including Banking.



717 items


Unicorns- Billion Dollar Startups

1,112 items


Fintech 250

998 items


Digital Lending

1,511 items

This collection contains companies that provide alternative means for obtaining a loan for personal or business use and companies that provide software to lenders for the application, underwriting, funding or loan collection process.



1,949 items

Companies and startups in this collection enable consumers, businesses, and governments to pay each other - online and at the physical point-of-sale.


Tech IPO Pipeline

568 items

Upgrade Patents

Upgrade has filed 2 patents.

The 3 most popular patent topics include:

  • Electrical generators
  • Energy conversion
  • Engine technology
patents chart

Application Date

Grant Date


Related Topics




Rechargeable batteries, Battery charging, Energy storage, Battery (electricity), Energy conversion


Application Date


Grant Date



Related Topics

Rechargeable batteries, Battery charging, Energy storage, Battery (electricity), Energy conversion



Latest Upgrade News

Upgrade Selects ComplyAdvantage For Award-Winning Customer Screening, Monitoring, And Transaction Risk Management Solutions

Apr 6, 2022

The RegTech’s Real-Time Counter Risk Intelligence Technology Is Purpose Built To Enable Fast Moving FinTechs To Scale With Integrity ComplyAdvantage, a global data technology company transforming financial crime detection, announced that Upgrade, a FinTech company that offers affordable and responsible credit, mobile banking and payment products to mainstream consumers, has selected its award-winning Customer Screening and Monitoring and Transaction Risk Management solutions. Founded by early pioneers in FinTech, Upgrade was launched to redefine the banking experience. To date, Upgrade has delivered over $12 billion in affordable and responsible credit to mainstream consumers through cards and loans since inception in 2017. By selecting ComplyAdvantage, Upgrade now has access to a world-class suite of counter risk intelligence solutions powered by machine learning and the company’s proprietary knowledge graph called ComplyData™. ComplyData combines and then harmonizes over 25,000 data feeds into the world’s single largest intelligent database of people and business entities. This enables ComplyAdvantage to uncover, contextualize and validate money laundering behaviors and related financial crimes. In 2021 alone, ComplyAdvantage facilitated more than 1 billion searches across 150 million entities that are monitored daily. “As we continue to expand our services and our market share, it’s imperative that we have the right risk management tools in place so we can onboard our customers faster and with the greatest amount of integrity,” said  Tom Curran , Chief Risk Officer at Upgrade. “That’s why we went with ComplyAdvantage. We recognized that their data-centric approach to risk management was perfectly designed to scale and keep pace with a business like ours.” ComplyAdvantage’s Customer Screening and Monitoring tools provide Upgrade with automated data generation in a constant “live state,” refreshing entity profiles within minutes of a change, and providing the ability to easily sync with other tools, including case management systems and CRMs. In addition, ComplyAdvantage’s Transaction Risk Management platform leverages artificial intelligence to automate alerts based on the company’s extensive rule library of AML/CFT risk typologies including out-of-the-box configuration options, entity extraction, and real-time screening. “Upgrade is a great example of a fast-growing company that needs access to intelligent risk management solutions that can keep pace with the company’s service innovation and customer expansion,” said Charlie Delingpole , founder and CEO of ComplyAdvantage. “Meaningful risk intelligence is about the discovery of unknown threats in real-time and with the greatest amount of accuracy. The team at Upgrade understands that with the right approach to risk management, they can grow with the utmost confidence.” Already the preferred choice of some of the world’s largest banks, enterprises, and high-growth FinTechs, ComplyAdvantage uses machine learning to help regulated organizations manage their risk obligations and prevent financial crime.

Upgrade Web Traffic

Page Views per User (PVPU)
Page Views per Million (PVPM)
Reach per Million (RPM)
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Upgrade Rank

  • When was Upgrade founded?

    Upgrade was founded in 2016.

  • Where is Upgrade's headquarters?

    Upgrade's headquarters is located at 275 Battery Street, San Francisco.

  • What is Upgrade's latest funding round?

    Upgrade's latest funding round is Series F.

  • How much did Upgrade raise?

    Upgrade raised a total of $562.5M.

  • Who are the investors of Upgrade?

    Investors of Upgrade include VY Capital, Ribbit Capital, Sands Capital, Ventura Capital, Koch Disruptive Technologies and 20 more.

  • Who are Upgrade's competitors?

    Competitors of Upgrade include Happy Money, Kissht, LendUp, The Social Loan Company, Tala and 12 more.

  • What products does Upgrade offer?

    Upgrade's products include Upgrade Card and 2 more.

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