Their service allows me to upgrade my MacBook every two years at an unbeatable 0% APR, which is incredibly budget-friendly ...
Source-reported As recorded 2026-09-23
Browser storage is unavailable. Keep this page open and export your collection before leaving.
Fintech payments
Upgraded
Overview
Upgraded helps retailers and carriers sell devices on subscription. Subscribers pay monthly and can upgrade anytime. Smartphones, laptops, tablets and more.
Creating and managing these programs involves lender integrations, residual value management and building great software — resellers don’t know how to do this.
Upgraded provides the infrastructure to launch immediately, keep customers loyal and cut replacement cycles in half. Device financing is a $541B market globally. US carrier financing grew from $13B to $51B in the last four years.
Upgraded partners include Apple, Dixons/Elkjøp, MediaMarkt and Vodafone. Upgraded was founded in 2016. Investors include Y Combinator and GRIL Ventures.
Upgraded is led by CEO/Cofounder John Erik Metcalf and CTO/Cofounder Ziad Sawalha.
Company description As recorded 2026-11-08
Product & workflow
Founders & team
Hendrik Roosna
FounderFounder of Upgraded and Fairown Finance (www.fairown.com). Demystifying subscription economy.
Founder profile As recorded 2026-09-15
JR Rahn
FounderFounder profile As recorded 2026-09-15
13team members reported
Source-reported As recorded 2026-09-15
Founded 2016 · Source
News & product activity
Cohort membership
Summer 2016Summer 2016
Original evidence ↗Sources & observations
Profile depthverified profile
Website observationwebsite reachable
Last website check2026-11-11
Location · source statedSan Francisco, CA, USA; Remote
Pricing evidenceNo pricing page confirmed
Maturity: Not assessed · 3 of 6 areas documented
Source-based assessment · automated evidence rules
The retained text does not establish product availability or customer use.
Maturity is an evidence-based assessment, not a success rating. It may understate the current stage where evidence is limited. Coverage records documented areas, not a complete or independently audited company history.
- Product overviewSource description Checked 2026-11-11
- Product visualsNot documented
- Founders & originsTeam information
- Business model & pricingNot documented
- Funding & ownershipNot documented
- Dated milestonesDated source activity: 2016 Q3 (quarter only)
independent websitesource corroborationreachable websitedescriptive evidenceclassified market and modelsourced peoplesourced founding year
Similar businesses
Browse 1000+ HSA/FSA-eligible brands and thousands of approved products—from vitamins to wellness tech. Spend your pre-tax dollars and save instantly on Flex.
Founders
- Founded
- 2023
- Team
- 8 people
Same product type · Infrastructure
The financial layer for compute: reference indices, a derivatives exchange pending CFTC designation as a DCM and registration as a DCO, physical settlement, and credit.
- Founded
- 2024
- Team
- 5 people
Same product type · Infrastructure
Enterprise payments infrastructure platform that helps businesses manage collections, payouts, card issuing, and treasury across Africa
Founders · Product
- Founded
- 2023
- Team
- 19 people
Same product type · Infrastructure
AI execution through private servers and networks. Graph-based order systems. Programmatic execution for perps and prediction markets. Software-only, non-custodial, venue-neutral.
Founders · Origins · Product
- Founded
- 2026
- Team
- 5 people
Same product type · Infrastructure
Give AI agents their own wallets to pay, invest, and earn. Sell your services to agents via x402 and MPP with no code changes. The financial infrastructure for the agent economy.
Product
- Founded
- 2026
- Team
- 3 people
Same product type · Infrastructure
Totalis is a prediction market app on Hyperliquid. Trade HIP-4 outcomes one at a time, or combine two to five into one Combo priced by market makers.
Founders
- Founded
- 2026
Same product type · Infrastructure