fresh
Discussed as an early investment observed
No standout signal or flag yet.
No single number decides. Layers can disagree — that's the point. New to this? →
for those unaware upstart is a phenomenally simple business their lending platform right lending money and they use AI to uh help people get better loan terms and so like your education and cost of living they basically try to project your credit worthiness ie like a fico swarm but they're using AI to do that went public in december of 2020 stock has gone up 8.6 times that amount crazy trading at 254 a share 20 billion dollar market cap they did 228 million in revenue in q3 which was up 3x right
upstart's up about 25% just in four days since we, since we bought it, we bought it on, uh, about four days ago. Uh, so that's actually made a nice little move in the short term, probably a little extended right now, but longer term, uh, that that's a, that's a, a good looking, uh, name, uh, very powerful and very strong earnings.
The company has Form D filings on record that our reported-funding data does not cover — a quiet raise worth a look.
Form D filings — the company's own authoritative record of a Reg D private raise, filed with the SEC. Primary-source evidence: not commentary, not inference. 7 filings, latest 2018-07-25.
Gray-market attention, not quality. 50+ HN mentions (peak 553 points). Claim-shaped headlines are rumors until corroborated — a Tier-3 factual claim carries no evidentiary weight on its own. Risk drivers: heavy gray-market attention · some SEC filings on record. ▲ 553 The War on Upstart Fiber Internet Providers 2020-06-26 ↗
| Attribute | Value | Kind | Source | Observed | State | Conf. |
|---|---|---|---|---|---|---|
common_name | Upstart | observed | artifact ↗ | 2026-07-18 | normalized | 0.60 |
community.hn.max_points | 553 | observed | artifact ↗ | 2026-07-18 | normalized | 0.20 |
community.hn.mentions | 50 | observed | artifact ↗ | 2026-07-18 | normalized | 0.20 |
community.hn.rumors | [{"url": "https://news.ycombinator.com/item?id=4383028", "title": "UpStart.com: The Startup is you. A new approach to funding and mentorship.", "points": 51, "created_at": "2012-08-14", "evidence_type | observed | artifact ↗ | 2026-07-18 | superseded | 0.20 |
community.hn.rumors | [{"url": "https://news.ycombinator.com/item?id=4383028", "title": "UpStart.com: The Startup is you. A new approach to funding and mentorship.", "points": 51, "created_at": "2012-08-14", "evidence_type | observed | artifact ↗ | 2026-08-16 | superseded | 0.20 |
community.hn.rumors | [{"url": "https://news.ycombinator.com/item?id=4383028", "title": "UpStart.com: The Startup is you. A new approach to funding and mentorship.", "points": 51, "created_at": "2012-08-14", "evidence_type | observed | artifact ↗ | 2025-05-13 | superseded | 0.20 |
community.hn.rumors | [{"url": "https://news.ycombinator.com/item?id=4383028", "title": "UpStart.com: The Startup is you. A new approach to funding and mentorship.", "points": 51, "created_at": "2012-08-14", "evidence_type | observed | artifact ↗ | 2025-05-13 | superseded | 0.20 |
community.hn.rumors | [{"url": "https://news.ycombinator.com/item?id=4383028", "title": "UpStart.com: The Startup is you. A new approach to funding and mentorship.", "points": 51, "created_at": "2012-08-14", "evidence_type | observed | artifact ↗ | 2025-05-13 | normalized | 0.20 |
community.hn.top_story | {"url": "https://news.ycombinator.com/item?id=23647609", "title": "The War on Upstart Fiber Internet Providers", "points": 553, "created_at": "2020-06-26"} | observed | artifact ↗ | 2026-07-18 | superseded | 0.20 |
community.hn.top_story | {"url": "https://news.ycombinator.com/item?id=23647609", "title": "The War on Upstart Fiber Internet Providers", "points": 553, "created_at": "2020-06-26"} | observed | artifact ↗ | 2026-08-16 | superseded | 0.20 |
community.hn.top_story | {"url": "https://news.ycombinator.com/item?id=23647609", "title": "The War on Upstart Fiber Internet Providers", "points": 553, "created_at": "2020-06-26"} | observed | artifact ↗ | 2020-06-26 | superseded | 0.20 |
community.hn.top_story | {"url": "https://news.ycombinator.com/item?id=23647609", "title": "The War on Upstart Fiber Internet Providers", "points": 553, "created_at": "2020-06-26"} | observed | artifact ↗ | 2020-06-26 | superseded | 0.20 |
community.hn.top_story | {"url": "https://news.ycombinator.com/item?id=23647609", "title": "The War on Upstart Fiber Internet Providers", "points": 553, "created_at": "2020-06-26"} | observed | artifact ↗ | 2020-06-26 | normalized | 0.20 |
description | Discussed as an early investment | observed | artifact ↗ | 2026-07-18 | normalized | 0.60 |
index.ai_tie | AI_ADJACENT | observed | classify | 2026-07-25 | derived | 0.60 |
sec.cik | 0001603220 | observed | artifact ↗ | 2026-07-18 | normalized | 0.99 |
sec.form_d.count | 7 | observed | artifact ↗ | 2026-07-18 | normalized | 0.99 |
sec.form_d.filings | [{"cik": "0001603220", "form": "D/A", "filed": "2018-07-25", "accession": "0001603220-18-000001", "index_url": "https://www.sec.gov/Archives/edgar/data/1603220/000160322018000001/0001603220-18-000001- | observed | artifact ↗ | 2026-07-18 | normalized | 0.99 |
sec.form_d.latest_filed | 2018-07-25 | observed | artifact ↗ | 2026-07-18 | normalized | 0.99 |
sec.form_d.related_persons | {"filed": "2018-07-25", "persons": [{"last_name": "Girouard", "first_name": "David", "clarification": "CEO and Director of Administrator, Upstart Network, Inc.", "relationships": ["Executive Officer", | observed | url | 2018-07-25 | normalized | 0.99 |
sector | emerging | derived | calc | 2026-08-08 | normalized | 0.50 |
signal.commentary | {"context": null, "run_ref": "01KZWXD3T6ZCSVQS8QN5GEWJ3W", "signals": [{"quote": "upstart's up about 25% just in four days since we, since we bought it, we bought it on, uh, about four days ago. Uh, s | observed | artifact ↗ | 2021-12-27 | promoted | 0.50 |
signal.commentary | {"context": null, "run_ref": "01KZXB132AFBTAHXHDZSH1EX2P", "signals": [{"quote": "for those unaware upstart is a phenomenally simple business their lending platform right lending money and they use AI | observed | artifact ↗ | 2021-11-13 | promoted | 0.50 |
source.document.reference | {"kind": "video", "title": "The 2021 TWISTY Awards: best guest, most awkward moment, best chemistry & more! | E1350 — upstart", "source_id": "01KXRSPJM5YW37V4JKPW2B6AHC-m-7cf8ed388bb8927a", "extract_r | observed | artifact ↗ | 2026-08-13 | normalized | 0.95 |
source.document.reference | {"kind": "video", "title": "The greatest CNBC hit of all time, YouTube hides dislikes + Ready Games CEO David Bennahum | E1325 — upstart", "source_id": "01KXRSPJXNSTP3EDKKEJPWWBCY-m-7cf8ed388bb8927a", | observed | artifact ↗ | 2026-08-13 | normalized | 0.95 |