BreadSquared: Where AI Meets Smarter Lending
We connect millions of consumers with over 100 banks and credit unions. BreadSquared AI models and cloud-based technology to offer smarter, more accessible. Our platform supports a wide range of lending solutions, including personal loans, auto purchase and refinance loans, home equity lines of credit, and small-dollar relief loans.
Making Borrowing Simpler and More Affordable for Everyone
Because Credit Plays a Crucial Role in Your Financial Future
Money plays a vital role in everyday life—and for the vast majority of Americans without substantial wealth, the cost and accessibility of borrowing have a direct impact. Throughout history, access to fair, affordable credit has been a key driver of economic mobility and opportunity.
3M+ Customers
More than 3 million customers have trusted us to help them reach their financial goals—whether it’s consolidating debt, covering emergency expenses.
$44.7B+ Originations
We’ve facilitated over $44.7 billion in loan originations, helping millions of Americans access affordable credit to meet their financial goals.
100+ Banks
More than 100 banks use our technology and data-driven approach to modernize lending and improve customer experience.
The Old Way of Lending Doesn’t Work Anymore
For decades, traditional lenders have relied on simplistic “scorecard” models—using credit scores and a few other factors—to decide who qualifies for a loan and at what rate. But these outdated tools fall short when it comes to accurately measuring risk.
That disconnect reveals a major opportunity: with a smarter credit model, lenders could nearly double approvals while actually reducing defaults.
Based on BreadSquared 2019 retrospective study analyzing approximately one million TransUnion credit reports as of September 30, 2019.
The Future of Lending, Powered by Breadsquared AI
Expanding the Data Behind Every Credit Decision
We go beyond the credit score—our model evaluates a wide range of data to more accurately assess each borrower..Our sophisticated underwriting model analyzes thousands of variables to identify hidden relationships that better predict creditworthiness.
Learning from 86 Million Monthly Repayment Behaviors
Every business day, our models evolve—learning from up-to-date repayment and delinquency data to enhance accuracy and reduce risk. Real-time updates from daily loan performance data fuel continuous optimization across our AI lending models.
Learning from 86 Million Monthly Repayment Behaviors
Every business day, our models evolve—learning from up-to-date repayment and delinquency data to enhance accuracy and reduce risk. Real-time updates from daily loan performance data fuel continuous optimization across our AI lending models.
A Smarter Model That Predicts Risk Throughout the Loan Lifecycle
Our proprietary, patented loan-month model forecasts the likelihood of default or prepayment for every applicant—at every point in the loan term. By modeling risk dynamically across the full lifecycle, we enable more accurate pricing, better approvals, and stronger portfolio performance.
Instant, Secure Lending Powered by AI
BreadSquared integrates AI across the entire lending journey—automating identity verification, fraud detection, and income and employment checks. The result: a faster, frictionless credit origination process for both borrowers and lenders.
Instant, Secure Lending Powered by AI
BreadSquared integrates AI across the entire lending journey—automating identity verification, fraud detection, and income and employment checks. The result: a faster, frictionless credit origination process for both borrowers and lenders.
Help Us Redefine the Future of Lending
We’re on a mission to make credit more inclusive, accurate, and accessible through the power of AI. Whether you’re a lender, partner, or changemaker, your involvement helps us build a smarter, fairer financial system—one that works for everyone.
BreadSquared for lenders
Drive growth by approving more qualified borrowers and offering a faster, digital-first lending journey.
Join Team at BreadSquared
Be part of a team reimagining how credit works—for everyone. View current opportunities.
Backed by Our Investors
Get the information you need—timely updates on our progress, and strategic milestones.
Driving Accuracy, Efficiency, and Inclusion in Lending
Smarter Approvals
By looking deeper than a credit score 43%, we help lenders say “yes” more often—giving more people access to the credit they deserve.
Better Credit Decisions
With improved risk prediction, lenders can reduce APRs by 33% while maintaining approval rates—empowering them to meet business goals without compromising control.
End-to-End Automation
Banks using Upstart can provide 24/7 loan decisions. With more than 92% of loans fully automated, customers get faster responses—and lenders get scalable results.
Ready To Get Started?
Get the financial support you need—quick, simple, and reliable. BreadSquared is here to help you move forward with confidence.
