{"filing":{"accession_number":"0001647639-26-000071","cik":"0001647639","ticker":"UPST","company_name":"Upstart Holdings, Inc.","form":"8-K","filing_date":"2026-10-20","report_date":"2026-10-16","primary_document":"upst-20261016.htm","primary_document_url":"https://www.sec.gov/Archives/edgar/data/1647639/000164763926000071/upst-20261016.htm"},"events":[{"id":36397,"run_id":33561,"accession_number":"0001647639-26-000071","anchor_item_number":"1.01","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.95,"summary":"Upstart entered into a $200 million senior secured revolving credit facility with MUFG Bank as administrative agent on October 16, 2026, with Term SOFR plus margin pricing, leverage-based pricing grid, financial covenants, and a 364-day maturity, intended to finance the capitalization of Upstart Bank.","company_name":"Upstart Holdings, Inc.","ticker":"UPST","filing_date":"2026-10-20","form":"8-K","submitted_at":null,"items":[{"id":40801,"accession_number":"0001647639-26-000071","item_number":"1.01","item_title":"Entry into a Material Definitive Agreement.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.95,"reasoning":"Upstart entered into a credit agreement on October 16, 2026, establishing a $200 million senior secured revolving credit facility with MUFG Bank as administrative agent. This is a material creation of a new direct financial obligation—a debt instrument—disclosed under Item 1.01 (Entry into a Material Definitive Agreement). The facility includes specific terms (Term SOFR plus margin, leverage-based pricing grid, financial covenants, and a 364-day maturity), making it a substantive debt issuance intended to finance the capitalization of Upstart Bank.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-10-20T20:07:56.714987+00:00","company_name":"","ticker":null,"filing_date":""},{"id":40802,"accession_number":"0001647639-26-000071","item_number":"2.03","item_title":"Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.75,"reasoning":"Item 2.03 is filed and incorporates Item 1.01 by reference, indicating creation of a direct financial obligation. While the specific details are not provided in this excerpt, Item 2.03 filings typically disclose debt issuances, credit facilities, or other financial obligations. The incorporation of Item 1.01 (Business Combinations) suggests this may relate to acquisition financing or a material transaction, making debt_issuance the most likely classification for a direct financial obligation disclosure.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-10-20T20:07:56.714987+00:00","company_name":"","ticker":null,"filing_date":""}]}],"classifications":[{"id":40801,"accession_number":"0001647639-26-000071","item_number":"1.01","item_title":"Entry into a Material Definitive Agreement.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.95,"reasoning":"Upstart entered into a credit agreement on October 16, 2026, establishing a $200 million senior secured revolving credit facility with MUFG Bank as administrative agent. This is a material creation of a new direct financial obligation—a debt instrument—disclosed under Item 1.01 (Entry into a Material Definitive Agreement). The facility includes specific terms (Term SOFR plus margin, leverage-based pricing grid, financial covenants, and a 364-day maturity), making it a substantive debt issuance intended to finance the capitalization of Upstart Bank.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-10-20T20:07:56.714987+00:00","company_name":"Upstart Holdings, Inc.","ticker":"UPST","filing_date":"2026-10-20"},{"id":40802,"accession_number":"0001647639-26-000071","item_number":"2.03","item_title":"Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.75,"reasoning":"Item 2.03 is filed and incorporates Item 1.01 by reference, indicating creation of a direct financial obligation. While the specific details are not provided in this excerpt, Item 2.03 filings typically disclose debt issuances, credit facilities, or other financial obligations. The incorporation of Item 1.01 (Business Combinations) suggests this may relate to acquisition financing or a material transaction, making debt_issuance the most likely classification for a direct financial obligation disclosure.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-10-20T20:07:56.714987+00:00","company_name":"Upstart Holdings, Inc.","ticker":"UPST","filing_date":"2026-10-20"}]}