Many millionaire-making stocks weren't obvious winners at first. almost went bankrupt years back, but that would have been the best time to invest as the stock generated life-changing returns over the following years.

Upstart Holdings (NASDAQ: UPST), which uses artificial intelligence (AI) to evaluate consumer creditworthiness for loans, could be at a similar fork in the road. The business is fighting extreme adversity, but there is an undeniable upside if things work out in the long run.

Don't get the wrong idea -- Upstart's stock is extremely risky today. But you only need a small amount to create huge returns if Upstart succeeds, and if it doesn't you'll be glad you only bought a small amount.

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Source Fool.com