When was EarnUp founded?

EarnUp was founded in 2014 and raised its 1st funding round 2 years after it was founded.

Where is EarnUp located?

EarnUp is headquartered in San Francisco, United States. It is registered at San Francisco, California.

How many employees does EarnUp have?

As of Sep 30, 2026, the latest employee count at EarnUp is 21.

Is EarnUp a funded company?

EarnUp is a funded company, having raised a total of $59.2M across 7 funding rounds to date. The company's 1st funding round was a $***** Seed round, raised on Jun 17, 2016.

When was the latest funding round of EarnUp?

EarnUp's latest funding was a $***** Series C round on Mar 15, 2022, with participation from 6 investors. Its primary sector is Digital Lending. In United States, the Digital Lending sector has seen $5.91B in funding in 2026 to date.

Where does EarnUp rank among its competitors?

EarnUp ranks 2nd amongst 149 active competitors, of which 16 are funded. It stands 2nd in terms of total funding among its competitors. The most recent competitor to raise funding was Bright Money, which secured $12M in Sep, 2023.

Who are the top competitors of EarnUp?

EarnUp's top competitors include Bright Money, NuovoPay and Student Loan Hero. Among them, Bright Money secured the most recent funding round in September, 2023.

EarnUp - 2026 Company Profile, Team, Funding & Competitors

Company Details

MyEarnUp is an online debt repayment platform for consumers. The platform links to customers' bank accounts, track income & expenses, and makes micropayments towards debt whenever the customer can afford it. Lenders offer EarnUp products as a payment option to their customers. The platform helps lenders to cut costs from missed and late repayments.

Website: earnup.com
Social
Email ID: *****@earnup.com
Phone Number: +1 **********
Registered Address: San Francisco, California

Key Metrics

Founded Year

2014

Location

San Francisco, United States

Stage

Acquired

Total Funding

$59.2M in 7 rounds

Latest Funding Round

Series C, Mar 15, 2022, $*****

Investors

Bain Capital Ventures & 16 more

Ranked

2^nd among 149 active competitors

Employee Count

21 as on Sep 30, 2026

Similar Companies

Bright Money & 160 more

Exit Details

Acquired by Array (Feb 25, 2026)

View EarnUp's full profile

EarnUp is associated with 2 legal entities given below:

Legal Entity Name	Date of Incorporation	Revenue	Latest Employee Count	Reports
EARNUP, INC. CIN: 205675093 , United States, Active	Dec 28, 2022	-	-	-
EARNUP INC. CIN: 463307882 , United States, Active	Dec 31, 1999	-	39 (As on Dec 31, 2024)	-

EarnUp got acquired by Array on Feb 25, 2026.

Click here to take a look at EarnUp's acquisition in detail

EarnUp has raised a total funding of $59.2M over 7 rounds. Its first funding round was on Jun 17, 2016. Its latest funding round was a Series C round on Mar 15, 2022 for $*****. 6 investors participated in its latest round. EarnUp has 17 institutional investors.

Here is the list of recent funding rounds of EarnUp:

Filter this list

Date of Funding	Funding Amount	Round Name	Post-Money Valuation	Revenue Multiple	Lead Investors	Other Investors
Mar 15, 2022	7892767	Series C	1081630	2552710	4329518	8323096
Feb 24, 2021	5593734	Series B	6338953	6007925	4008858	SignalFire & 2 more
Sep 15, 2020	9507857	Grant (prize money)	5629733	6503744	2326688	Acumen

Access funding benchmarks and valuations. Sign up today!

View details of EarnUp's funding rounds and investors

The founders of EarnUp are Matthew Cooper, Nadim Homsany and Matthew Cooper.

Here are the details of EarnUp's key team members:

Matthew Cooper: Co-Founder of EarnUp. They are also an angel investor in 2 startups.
Contact Info: 1 email address
Nadim Homsany: Co-Founder of EarnUp.
Contact Info: 1 email address
Matthew Cooper: Co-Founder & Board Member of EarnUp.

View details of EarnUp's Founder profiles and Board Members

EarnUp's employee count trend

EarnUp has 21 employees as of Sep 26. Here is EarnUp's employee count trend over the years:

Uncover EarnUp's growth story! Sign up today!

Access Tracxn on any website

Our Google Chrome extension lets you view company details while browsing their websites

Install Tracxn Extension

Top competitors of EarnUp include Bright Money, NuovoPay and Student Loan Hero. Here is the list of Top 10 competitors of EarnUp, ranked by Tracxn score:

Rank	Company Details	Short Description	Total Funding	Investors	Tracxn Score
1st	Bright Money 2019, San Francisco (United States), Series B	Provider of financial technology solutions for debt reduction and credit building	$43M	Alpha Wave Global, Hummingbird Ventures & 14 others	72/100
2nd	EarnUp 2014, San Francisco (United States), Acquired	Online debt repayment platform for consumers	$59.2M	Financial Solutions Lab, Fenway Summer Ventures ... & 15 others	60/100
3rd	NuovoPay 2019, Pune (India), Unfunded	Loan life cycle management solutions for leasing & asset financing	-	-	51/100
4th	Student Loan Hero 2012, New York City (United States), Acquired	Online platform for Student debt tools, calculators, and repayment plans	$65K	EvoNexus, Expansion Venture Capital	49/100
5th	BEST 1994, Elblag (Poland), Public	Online platform for consumer debt repayment	-	-	49/100
6th	Freedom Financial Network 2002, San Mateo (United States), Series D	Provider of debt consolidation and relief solutions	$235M	Vulcan Capital, Comvest Partners & 3 others	46/100
7th	Collekto 2018, Mumbai (India), Seed	Fintech company specializing in retail debt collections	$128K	SEP Ventures, CENSIE & 16 others	45/100
8th	GreyMatter Technologies 2018, Mumbai (India), Seed	Provider of agri-inputs on credit via a community commerce platform	$408K	July Ventures, CIIE & 19 others	44/100
9th	Scratch 2015, San Francisco (United States), Series A	Online platform to manage and pay off debts	$17.2M	JPMorganChase, Financial Solutions Lab & 7 others	44/100
10th	Pillar 2018, New York City (United States), Acquired	Loan management app	$5.5M	Kleiner Perkins, Day One Ventures & 14 others	44/100