Upgrade Inc's founders pioneered Consumer FinTech in 2006 with a lasting impact on the industry. Upgrade partners with banks to give them access to prime consumer assets for a variety of goals, including income/margin compression, balance sheet diversification, and liquidity deployment. As a marketplace lender for 190 financial partners, who purchase 60% of our monthly volume, Upgrade provides banks a digital channel to consumer loans, card loans, and auto refi loans through a seamless online experience. Upgrade also offers a loan-for-deposit sweep program. Upgrade has 1,100 employees across four offices, including Phoenix, San Francisco, Atlanta, and Toronto, Canada.