| 词条 | Draft:Upgrade (financial technology company) |
| 释义 |
| name=Upgrade, Inc. | industry=Financial technology | founded=August 2016 | founders=Renaud Laplanche, Soul Htite | products=Personal loans, personal credit lines | website={{URL|upgrade.com}} }}Upgrade, Inc. is an American financial technology company that delivers fixed-rate personal loans.[1] The company raised $60 million Series A funding round in 2017, which is "the largest Series A in the history of technology financing."[1] It received an additional $62 million during a 2018 Series C funding, with a valuation of $500 million.[2][3][4] Within Upgrade's first year of operation, it had issued $100 million in monthly loans.[6] Upgrade has offices in Phoenix, Arizona, San Francisco, California, and an operations center in Montreal, Quebec, Canada.[5][6] The company's other services include credit, monitoring and education tools.[7][8][11] OverviewUpgrade was founded by Renaud Laplanche, former CEO of LendingClub, and Soul Htite in August 2016.[12][9] The company began offering personal loans in April 2017.[10] That same month, Upgrade signed a lease for 38,000-square-foot of office space in the Renaissance Center I in Phoenix, Arizona.[11][12] The company also raised $60 million Series A funding round from investors including Apoletto, FirstMark Capital, Sands Capital Ventures, Union Square Ventures, Ribbit Capital, Vy Capital, Silicon Valley Bank, CreditEase and Noah Holdings in April 2017.[13][14][15] The Upgrade platform delivers fixed-rate personal loans that are often used for refinancing credit card debt,[16][17][18] and has a marketplace lending approach combined with tools for credit education and monitoring. Personal loans are issued by WebBank.[19] In July 2017, Upgrade partnered with dvo1 to manage reporting and analytics for increased transparency to investors.[20] LendingTree recognized Upgrade as the number one personal loan platform in February 2018.[21] Upgrade announced a personal credit line for customers, a hybrid of a credit card and personal loan, in April 2018 at the LendIt Conference in San Francisco.[22][23] In August 2018, the company announced a development office in Montreal with plans to have 100 engineers over the following two years.[24][25] Borrowers draw from the credit line and only pay interest at a fixed rate for the money used.[10] The funds are available for a fixed length of time between one and five years and requires monthly payments.[26][27][28] According to the company's founder, it issues more than $100 million in personal loans each month.[29] References1. ^{{Cite web|url=https://www.crowdfundinsider.com/2017/04/98270-back-game-renaud-laplanche-launches-upgrade-consumer-credit-platform/|title=Back in the Game: Renaud Laplanche Launches Upgrade, a Consumer Credit Platform|publisher=Crowdfund Insider|author=JD Alois|date=6 April 2017}} 2. ^{{Cite web|url=https://www.ft.com/content/258a28ba-a6af-11e8-926a-7342fe5e173f|title=Lending Club founder secures $500m valuation for new venture|publisher=Financial Times|author=Ben McClannahann|date=23 August 2018}} 3. ^{{Cite web|url=https://www.americanbanker.com/news/renaud-laplanches-comeback-venture-raises-62-million|title=Renaud Laplanche’s comeback venture raises $62 million|publisher=American Banker|author=Laura Alix|date=23 August 2018}} 4. ^{{Cite web|url=https://www.bizjournals.com/phoenix/news/2018/08/23/san-francisco-fintech-startup-ramps-up-phoenix.html|title=San Francisco fintech startup ramps up Phoenix expansion, closes on $62M funding|publisher=Phoenix Business Journal|author=Hayley Ringle|date=23 August 2018}} 5. ^{{cite web| url=https://www.pymnts.com/news/alternative-financial-services/2017/renaud-laplanches-fintech-revivial-via-online-lending-startup-upgrade/| title=Renaud Laplanche's Second Act| date=July 18, 2017| publisher=Pymnts}} 6. ^{{cite web| url=https://www.reuters.com/article/us-laplanche-venture-idUSKBN1A218H| title=Ex-LendingClub CEO Laplanche sees new Upgrade venture growing loan volumes| author=Elzio Barreto| date=July 17, 2017| publisher=Reuters}} 7. ^{{cite web| url=http://www.altfi.com/article/4268_renaud-laplanches-upgrade-launches-personal-credit-lines| title=Renaud Laplanche's Upgrade launches personal credit lines| publisher=AltFi}} 8. ^{{cite web| url=http://www.altfi.com/article/2866_renaud_returns_but_will_upgrade_live_up_to_its_name| title=Renaud returns, but will Upgrade live up to its name?| author=Ryan Weeks| date=April 13, 2017| publisher=AltFi}} 9. ^{{cite web| url=https://uk.news.yahoo.com/lending-club-founder-renaud-laplanche-060000495.html?guccounter=1| title=Lending Club founder Renaud Laplanche opens up on his 'frustrating' exit and new startup Upgrade| author=Oscar Williams-Grut| date=October 16, 2017| publisher=Yahoo News UK}} 10. ^1 2 {{cite web| url=https://www.americanbanker.com/news/online-lender-touts-new-personal-credit-line-as-heloc-alternative| title=Online lender touts new personal credit line as HELOC alternative| author=Kevin Wack| date=April 10, 2018| publisher=American Banker}} 11. ^{{cite web| url=https://patch.com/arizona/phoenix/phoenix-lures-two-bay-area-companies| title=Phoenix Lures Two Bay-Area Companies| author=Colin Miner| date=April 25, 2017| publisher=Phoenix Patch}} 12. ^{{cite web| url=https://www.cpexecutive.com/post/nikola-motor-selects-arizona-for-1b-plant/| title=Nikola Motor Selects Arizona for $1B Plant| author=Barbra Murray| publisher=Commercial Property Executive}} 13. ^{{cite web| url=https://www.bizjournals.com/sanjose/news/2017/08/18/heres-a-look-at-5-of-the-bay-areashottest-startups.html| title=Here's a look at 5 of the Bay Area's hottest startups| author=Cromwell Schubarth| date=August 18, 2017| publisher=Silicon Valley Business Journal}} 14. ^{{cite web| url=http://www.finsmes.com/2017/04/upgrade-closes-60m-series-a-financing.html| title=Upgrade Closes $60M Series A Financing| date=April 12, 2017| publisher=Finsmes}} 15. ^{{cite web| url=https://techcrunch.com/2017/04/06/lending-club-founder-renaud-laplanche-is-back-with-a-new-startup-and-60-million-in-funding/| title=Lending Club founder Renaud Laplanche is back with a new startup and $60 million in funding| author=Connie Loizos| date=April 6, 2017| publisher=TechCrunch}} 16. ^{{cite web| url=https://www.nytimes.com/2017/04/06/business/dealbook/lending-club-renaud-laplanche-upgrade.html| title=Renaud Laplanche, Ousted at Lending Club, Returns as Rival to His Old Firm| author=Nathaniel Popper| date=April 6, 2017| publisher=New York Times}} 17. ^1 {{cite web| url=https://www.bizjournals.com/phoenix/news/2017/04/25/exclusive-california-finance-startup-opening.html| title=California finance startup opening downtown Phoenix office, hiring up to 300| author=Hayley Ringle| date=April 25, 2017| publisher=Phoenix Business Journal}} 18. ^{{cite web| url=https://www.americanbanker.com/news/can-renaud-laplanche-have-a-second-act-in-online-lending| title=How Laplanche's new venture differs from Lending Club| author=Kevin Wack| date=April 6, 2017| publisher=American Banker}} 19. ^{{cite web| url=https://www.challenges.fr/start-up/renaud-laplanche-ancien-pdg-de-lending-club-relance-une-start-up_465260| title=L'ancien PDG déchu de Lending Club, lance une nouvelle start-up| date=April 6, 2017| publisher=Challenges|language=French}} 20. ^{{cite web| url=http://www.altfi.com/article/3200_laplanche_commits_to_increased_transparency_with_new_reporting_partnership| title=Laplanche commits to "increased transparency" with new reporting partnership| author=Ryan Weeks| date=July 11, 2017| publisher=AltFi}} 21. ^{{cite web| url=https://www.crowdfundinsider.com/2018/02/128151-online-lending-platform-upgrade-receives-top-ratings-lending-tree/| title=Online Lending Platform Upgrade Receives Top Ratings from Lending Tree| author=JD Alois| date=February 8, 2018| publisher=Crowdfund Insider}} 22. ^{{cite web| url=https://www.finextra.com/pressarticle/73376/former-lending-club-ceo-takes-on-the-credit-card-industry/retail| title=Former Lending Club CEO takes on the credit card industry| date=April 10, 2018| publisher=Finextra}} 23. ^{{cite web| url=https://www.lendacademy.com/upgrade-announces-new-personal-credit-line-product-at-lendit-fintech-usa-2018/| title=Upgrade Announces New Personal Credit Line Product at LendIt Fintech USA 2018| author=Peter Renton| date=April 10, 2018| publisher=Lend Academy}} 24. ^{{Cite web|url=https://montrealgazette.com/business/financial-technology-company-expands-to-montreal|title=San Francisco financial technology company expands to Montreal|publisher=Montreal Gazette|author=Paul Chiasson|date=23 August 2018}} 25. ^{{Cite web|url=http://www.lapresse.ca/affaires/economie/services-financiers/201808/23/01-5193972-le-cofondateur-de-lendingclub-veut-embaucher-a-montreal.php|title=Le cofondateur de LendingClub veut embaucher à Montréal|publisher=La Presse|author=JEAN-SÉBASTIEN GAGNON|date=23 August 2018|language=French}} 26. ^1 {{cite web| url=https://www.bloomberg.com/news/articles/2018-04-10/lendingclub-founder-is-back-and-wants-to-replace-credit-cards| title=LendingClub Founder Is Back and Wants to Replace Credit Cards| author=Julie Verhage, Dakin Campbell| date=April 9, 2018| publisher=Bloomberg}} 27. ^1 {{Cite web| url=https://www.forbes.com/sites/jeffkauflin/2018/04/09/lending-club-ex-ceo-is-staging-a-comeback-with-new-fintech-startup/#5910cc762ff1| title=Lending Club Ex-CEO Is Staging A Comeback With New Fintech Startup| author=Jeff Kauflin| date=April 10, 2018| publisher=Forbes}} 28. ^{{cite web| url=http://www.p2pfinancenews.co.uk/2018/04/10/upgrade-launches-personal-credit-offering/| title=Upgrade launches personal credit offering| author=Tim Evershed| date=April 10, 2018| publisher=Peer2Peer Finance News}} 29. ^{{Cite web|url=https://www.ft.com/content/a9294158-3c3b-11e8-b7e0-52972418fec4|title=Fintech pioneer takes new tilt at credit card industry|publisher=Financial Times|author=Ben McLannahan|date=9 April 2018}} Upgrade, Inc. 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