About EarnUp
EarnUp is a Financial Services company based in San Francisco (United States) founded in 2014 by Matthew Cooper and Nadim Homsany, and was acquired by Array in February 2026. Consumer debt is repaid online via automated micropayments. EarnUp has raised $59.25 million across 7 funding rounds from investors including KeyBank, LendingTree and MetLife. The company has 36 employees. Its website earnup.com draws about 16 thousand monthly visits. EarnUp offers products and services including AI Advisor and Engagement Platform. Its focus areas include FinTech, Alternative Lending, Consumer Debt Management and Debt Repayment. Its competitors include Freedom Financial Network, Student Loan Hero and Charlie; 3 of its 3 listed competitors have raised funding.
Company details
EarnUp was founded in 2014 in San Francisco, United States, as a fintech platform focused on debt management. Bank accounts are linked to monitor income and expenses, enabling micropayments toward debts when funds allow. Lenders integrate these tools as payment options for customers, which reduces operational costs associated with missed or late repayments in the consumer lending sector.
- Headquarters San Francisco, United States
- Employees 36
- Founders Matthew Cooper, Nadim Homsany
- Stage Acquired
- SectorsFinancial Services
- Website category Finance · Financial Planning and Management
- Email••••••••
- Phone•••• ••••
- Website earnup.com
- Social LinkedIn X Facebook
- Acquired by Array (Feb 2026)
Products & Services of EarnUp
EarnUp offers a comprehensive portfolio of products and services, including AI Advisor and Engagement Platform.
Provides personalized financial advice by analyzing user banking data.
Helps institutions engage users for debt management and savings automation.
Funding Insights of EarnUp
EarnUp has successfully raised a total of $59.25M across 7 strategic funding rounds. The most recent funding activity was a Series C round of $31 million completed in March 2022. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.
- Total Funding $59.25M
- Total Rounds 7
- Last Round Series C — $31M
- First Round $250,000
(Jun 2016)
- Investors Count 16
All 7 funding rounds of EarnUp with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Mar 2022 | $31M | Series C | – | LendingTree, KeyBank | |
| Feb 2021 | $25M | Series B | – | Bain Capital Ventures | |
| Sep 2020 | $150,000 | Grant | – | – | |
| Jan 2018 | $5M | Grant | – | – | |
| Dec 2017 | Series A | – | – | ||
| Jul 2016 | $3M | Seed | – | Kapor Capital | |
| Jun 2016 | $250,000 | Seed | – | Financial Solutions Lab | – |
17 investors in total: 17 institutional.
Investors in EarnUp
EarnUp has secured backing from 17 investors, including institutional and venture fund investors. Prominent investors backing the company include KeyBank, LendingTree and MetLife.
| Investor | Description | Founded Year | Domain | Location |
|---|---|---|---|---|
Venture capital fund focused on investing in multiple sectors | baincapitalventures.com | Boston, United States | ||
Seed and early-stage startups are funded by SignalFire. | signalfire.com | San Francisco, United States | ||
Venture capital firm investing in early and growth stage technology companies. | blumbergcapital.com | |||
Flourish Ventures is focused on investing in mission-driven fintech entrepreneurs. | flourishventures.com | Redwood City, United States | ||
Venture capital fund focused on multiple sectors | 2001 | acumen.org | New York, United States | |
| acumenvc.com | ||||
Seed-stage funding is provided to innovative founder teams. | uluventures.com | Palo Alto, United States | ||
Early-stage consumer, financial, SaaS, and blockchain companies are invested in. | camponeventures.com | Palo Alto, United States | ||
Tech focused Early stage VC Firm investing in the US | fenwaysummer.com | Bethesda, United States | ||
Seed stage venture capital firm investing in US | kaporcapital.com | Oakland, United States |
Investor details for EarnUp
The complete investor list, round-by-round participation and investor portfolios require an active premium plan.
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- Round participation
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People of EarnUp
18 people are tracked at EarnUp (5 in leadership, 13 in team); the tracked headcount is 36.
| Name | Role | Group |
|---|---|---|
Matthew Cooper | Co-Founder & Board Member | Leadership |
Nadim Homsany | Co-Founder | Leadership |
Brad Woodcox | VP, Strategy & Operations | Leadership |
Michelle Scan | Chief People Officer - Fractional | Leadership |
Anca Moldovan | Head of People Operations | Leadership |
Amy Tong | Software Engineer | Team |
Vinod Kamath | Product Manager | Team |
Charles Deuter | Senior Software Engineer | Team |
Eric M. | Customer Service Representative | Team |
Ricardo Avila Herrera | Business Operations Manager | Team |
Kevin Kawakami | Payment Operations | Team |
Robin Burns | Compliance Lead | Team |
Kevin Baloca | Corporate Controller | Team |
Grettel Chaves | Manager Of Operations | Team |
Adriana Cubero Loria | Country Business Manager | Team |
Connan King | Senior Software Developer | Team |
Sean Wilsen | Engineering Manager | Team |
Aditi Mehra | Senior Product Manager | Team |
Complete people profiles for EarnUp
Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.
- Full employee list
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Timeline of EarnUp
4 dated milestones of EarnUp across 12 years, from founding to its latest funding, stage changes and deals.
- Founded EarnUp is founded.
- Funding First funding round of $250K.
- Funding Latest funding round, Series C, of $31.0M.
- Exit Acquired by Array.
Competitors of EarnUp
EarnUp has 3 listed competitors in our database, 3 of them funded. They include Freedom Financial Network, Student Loan Hero and Charlie.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| freedomfinancialnetwork.com | 2002 | San Mateo, United States | $235M | 2,152 | Debt consolidation and relief solutions are provided to individuals. | |
| studentloanhero.com | 2012 | New York, United States | $65,000 | 1,355 | Online platform for Student debt tools, calculators, and repayment plans | |
| hicharlie.com | 2016 | San Francisco, United States | $18M | 12 | Expenses and income are tracked via AI text-based tool. |
Detailed competitors of EarnUp
The full competitor set, operating metrics and side-by-side benchmarks require an active premium plan.
- Full competitor set
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Web traffic of EarnUp
The website of EarnUp (earnup.com) receives about 16.2K visits a month and ranks #536,893 among all websites worldwide, #6,414 in Financial Planning and Management.
- Monthly visits16.2K
▼ 52.4% vs previous month
- Unique visitors5.4K
per month
- Global rank#536,893
among all websites
- Category rank#6,414
Finance · Financial Planning and Management
- Bounce rate17%
- Pages per visit12.7
- Average visit24 min 06 sec
- DevicesDesktop 72% · Mobile 28%
Websites whose visitors overlap most with EarnUp. Affinity shows how closely the audiences match.
| Website | Domain | Audience affinity | Monthly visits | Global rank | Profile |
|---|---|---|---|---|---|
| portfoliopilot.com | 100% | #279,894 | View details | ||
tendi.ai | tendi.ai | 99% | #1,845,557 | – | |
nationalcivicleague.org | nationalcivicleague.org | 43% | #1,041,144 | – | |
| goldbeck.com | 40% | #2,555,405 | View details |
Top companies in Alternative Lending
3 companies that operate in the same segment as EarnUp (Alternative Lending) in United States, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Diversified loans are provided via an AI-enabled online marketplace. | 2012 | Palo Alto, California, United States | USD 128.65 M | USD 1.04 B | 1,190 | |
Various consumer loans and financial services are offered online. | 2011 | San Francisco, California, United States | USD 3.04 B | USD 4.77 B | 6,843 | |
Credit score checking and comparison platform for financial products | 2007 | San Francisco, California, United States | USD 869.77 M | 1,487 |
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Related news about Earnup
Complete news archive for EarnUp
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Frequently Asked Questions about EarnUp
EarnUp was founded in 2014 and raised its 1st funding round 2 years after it was founded.
EarnUp is headquartered in San Francisco, United States. It is registered at San Francisco, California, United States.
EarnUp is a funded company, having raised a total of $59.25M across 7 funding rounds to date. The company's 1st funding round was a Seed of $250K, raised on Jun 2016.
EarnUp has 36 employees.
EarnUp was founded in 2014 in San Francisco, United States, as a fintech platform focused on debt management. Bank accounts are linked to monitor income and expenses, enabling micropayments toward debts when funds allow. Lenders integrate these tools as payment options for customers, which reduces operational costs associated with missed or late repayments in the consumer lending sector.
EarnUp's top competitors include Freedom Financial Network, Charlie and Student Loan Hero.
EarnUp offers AI Advisor and Engagement Platform.
EarnUp has 17 investors. Key investors include KeyBank, LendingTree, MetLife, Acumen, and Array.
Yes. EarnUp was acquired by Array in February 2026.