De ce depinde activitatea

1. 1The marketplace depends on banks, credit unions and investors providing enough money to fund loans; their willingness to lend or invest can change with economic and financial conditions.
2. 2A small number of lending partners account for a substantial portion of loans and fee revenue, making the business dependent on retaining those partners and attracting others.
3. 3Upstart's credit models depend on borrower and loan data, including information from third parties, and on the models keeping up with changes in borrowers' ability to repay.
4. 4Borrower acquisition depends in part on marketing channels and outside loan-referral partners, including online aggregators.