HW Tech100


EarnUp is an award-winning, consumer-first financial technology platform that intelligently automates loan payment scheduling. Serving borrowers across the U.S. and managing over $10 billion in loan payments, EarnUp’s deep data insights can help enterprise organizations with risk mitigation and cost reduction and ensure that customers have access to the best credit products available based on their financial standing. 

With EarnUp’s Engagement Platform, lenders help people become homebuyer-ready, create predictable revenue streams, improve retention and reduce risk with meaningful engagement. Helping consumers forge a path to homeownership, EarnUp’s turnkey credit builder infrastructure offers comprehensive education resources and automation tools to build savings, reduce debt and shave expenses.

EarnUp’s suite of products also provides a smart financial wellness program with a digital user experience that borrowers use to schedule loan payments to sync with their payday and accelerate payments to principal. Using EarnUp’s systems, borrowers can reduce the likelihood of defaulting on a loan and paying late fees and can potentially pay off their mortgage and other loans years faster. In effect, EarnUp helps users build generational wealth by assisting with the management of their loan payments and saving thousands of dollars in interest over the life of a loan.

Company Website:


Markets Served:

Loan Origination and Servicing

Company HQ:

San Francisco, CA

3d rendering of a row of luxury townhouses along a street

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