Upstart (NasdaqGS:UPST) Q4 2025 Earnings call February 10, 2026 04:30 PM ET Speaker6Good afternoon and welcome to the Upstart fourth quarter and full year 2025 earnings call. At this time, all participants are in a listen-only mode to prevent any background noise. Later, we will conduct a question-and-answer session, and instructions will be given at that time. As a reminder, this conference call is being recorded. I'd now like to turn the call over to Chelsea Williams, Investor Relations. Chelsea, please g ...

PROVIDENCE, R.I., Feb. 03, 2026 (GLOBE NEWSWIRE) -- via IBN - Beeline Holdings (NASDAQ: BLNE), a fast-growing digital mortgage platform redefining the path to homeownership, today announced it has entered into an agreement with Stellar Innovations to integrate Beeline’s proprietary BLINKQC quality control solution into the Encompass® loan origination system by ICE Mortgage Technology. The integration is expected to be live within approximately 90 days. Encompass is the most widely used loan origination syst ...

Core Insights - RadCred has launched an AI-powered $1000 quick loan service with no credit check, targeting borrowers with credit challenges in the U.S. [1][45] - The platform addresses the increasing demand for larger emergency loans, particularly among the 68% of Americans living paycheck-to-paycheck [1][3] - Economic pressures, including rising healthcare costs and high vehicle repair expenses, have intensified the need for such loans [4][3] Company Overview - RadCred operates as a loan matching platform connecting borrowers with licensed lenders, focusing on $1000 loans and emergency funding solutions across 47 states [47][48] - The platform has processed over 28,000 loan applications, showcasing significant market demand for no credit check solutions [2][48] - RadCred's AI technology evaluates over 100 financial data points to match borrowers with lenders, enhancing approval rates for those with poor credit [5][6] Market Demand - 63% of American adults cannot cover emergency expenses exceeding $400 without borrowing, while $1000 emergencies affect 78% of households annually [3][4] - The search volume for "$1000 no credit check same day loan" has surged by 425%, indicating a substantial unmet demand for larger credit solutions [3][4] - Traditional banks have a 52% rejection rate for emergency loans for individuals with bad credit, creating a gap that RadCred aims to fill [4][6] Loan Process - The application process consists of four steps, with an average completion time of 4.5 minutes for borrowers [7][8] - RadCred's platform uses soft credit checks to protect borrowers' FICO scores, achieving an average processing time of 3.2 minutes for approvals [6][11] - Direct deposit funding typically occurs within 3.2 hours for weekday applications, with 58% of approved borrowers receiving same-day deposits [10][30] Unique Features - RadCred offers flexible repayment schedules ranging from 14 to 60 days, contrasting with traditional payday loans that often have rigid terms [13][33] - The platform emphasizes transparency, providing upfront APR disclosures and detailed cost breakdowns before loan acceptance [14][18] - RadCred's ethical lending practices include mandatory cooling-off periods between loan applications to prevent continuous borrowing cycles [36][38] Eligibility and Accessibility - The platform prioritizes current financial capacity over historical credit performance, allowing access for borrowers with FICO scores below 640 [19][20] - Basic eligibility criteria include being at least 18 years old, having valid identification, and verifiable income [19][20] - RadCred serves a diverse income range, with 64% of approved applicants earning between $1,200 and $3,000 monthly [20] Interest Rates and Costs - The APR for $1000 loans varies by state, typically ranging from 200% to 652%, depending on regulations and borrower profiles [22] - Total costs for a $1000 loan can range from $1,150 to $1,300 for standard terms, demonstrating significant savings compared to traditional lending options [22][23] - RadCred loans average 31% lower total costs compared to bank overdraft fees and credit card cash advances [23] Compliance and Regulation - RadCred operates in compliance with state regulations, ensuring adherence to consumer protection standards [27][29] - The platform's automated systems adjust loan amounts based on borrower location, maintaining compliance with local laws [26][28] - Recent regulatory developments highlight the importance of transparency and consumer protection in the payday lending industry [29][46]

Company Overview - Beeline Holdings, Inc. is a rapidly growing digital mortgage platform that aims to redefine the path to homeownership [1] - The company operates through a fully digital, AI-powered platform, providing a faster and smarter way to access home loans for both primary residences and investment properties [3] - Beeline is headquartered in Providence, Rhode Island, and is a wholly owned subsidiary of Beeline Holdings, which also includes Beeline Labs, focusing on next-generation lending solutions [3] Financial Results Announcement - Beeline Holdings will release its financial results for the second quarter of 2025 after market close on August 14, 2025 [1] - Following the financial results, a stakeholder update call will take place at 5:00 PM ET, hosted by CEO Nick Liuzza and CFO Chris Moe [2] Performance Review - The upcoming call will include a review of the company's performance and updates on ongoing initiatives [2]