Upgrade, headquartered in US, remains privately held in the fintech space. The latest valuation stands at $7.3B. No public ticker exists for the company.
1 valuation. The latest, $7.3B pre-money, was set by the Series G in Oct 2025.
Coatue ManagementLEAD
DST GlobalLEAD
Neuberger BermanLEAD
Ribbit CapitalKKoch Disruptive Technologies
Santander InnoVenturesCoatue ManagementDST GlobalNeuberger BermanUpgrade packages personal loans, the Upgrade Card and OneCard, auto financing, home-improvement loans, and Rewards Checking into a single banking app without any physical branches. Renaud Laplanche, the former CEO of LendingClub, founded the company with former colleagues.
Headquartered in San Francisco since 2016, Upgrade has extended more than $50 billion in credit to over 8 million customers. In December 2024 it passed $1 billion in home-improvement loan originations.
Listed funds carry late-stage private names. A fund's latest schedule of investments shows whether it holds Upgrade.
Often trade at a premium or discount to NAV.
Platforms match existing holders with buyers. Upgrade availability at any moment is set by the holders.
High minimums, transfer approval, company right-of-first-refusal.
Valuations, rounds and IPO status for every company in the directory — Upgrade included.
The routes section explains what is realistically available for a company at this stage.
No. Upgrade is a private company; its shares do not trade on a public exchange.
The last valuation is $7.3B.
The closest fintech peers are on the competitors page.
Perpetual markets for stocks, gold, indices and pre-IPO names — settled on-chain, no wallet-to-exchange transfers.
