HINT: accepts only USA residents

Founded by ex-Googlers, Upstart goes beyond the FICO score to finance people based on signals of their potential, including schools attended, area of study, academic performance, and work history. Their proprietary underwriting model identifies high-quality borrowers despite limited credit and employment experience. Funds can be used for almost anything, including starting a business, paying for a coding bootcamp, eliminating student debt, or paying off credit cards.