Upwardli

Upwardli offers embedded financial products that let platforms turn recurring payments into credit‑building outcomes, including a white‑label credit‑builder card and rent/utility payment reporting. Delivered via flexible APIs and pre‑built UI components, the solution enables quick integration, compliance, and new high‑margin revenue streams for businesses serving gig, hourly, and rental customers.

Traction 8/10

Seattle, United States · HQ

Founded 2021181K+ followers

Applications
Enterprise Software
Financial Technology
Software Only

Updated 5 months ago

Funding

Raised to date

$3.3MRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.

Funding rounds are not available yet.

Founders

3 founders

Jeffrey B. Anderson

Co‑founder

Aaron Gregory

Founder

Ramiro Polveriz …

Co‑co … … ………………………………………… … … … … … … … … … … … …

Product

Problem

Many gig, hourly, and rental customers lack mechanisms to build credit histories from their regular payments, while platforms serving these users struggle to increase engagement, retention, and generate additional revenue streams.

Solution

Upwardli provides a suite of embedded financial products—including a credit‑builder service, a white‑label credit card, and rent/utility payment reporting—that enable platforms to turn recurring payments into credit‑building outcomes for end users. The solutions are delivered via flexible APIs and pre‑built UI components, allowing rapid integration with minimal development effort. By offering credit‑building functionality, platforms can differentiate their offering, improve user loyalty, and unlock high‑margin revenue from interchange fees, deposits, and transaction processing. The platform is fully compliant and incorporates security features such as fraud detection and data encryption, ensuring user data protection while simplifying regulatory compliance for partners.

Target Audience

Target customers are platforms serving hourly workers, gig economy participants, and renters—such as payroll services, workforce management tools, and property‑tech companies—that seek to boost user engagement and open new revenue channels.

Features

API‑driven credit‑builder that converts existing user payments into positive credit history entries
White‑label credit card with built‑in credit‑building, customizable design, rewards, and high‑margin interchange revenue
Rent and utility payment reporting service that adds rental payments to users’ credit files
Quick “launch in weeks” integration with embedded UI components or fully custom API implementation
Compliance and security stack including fraud detection, encryption, and data protection measures
Brand‑first customization options to maintain a seamless user experience across the partner’s platform