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UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON , D.C. 20549 FORM 10 - K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number : 001-38506 Delaware State or other jurisdiction of incorporation or organization 5565 Glenridge Connector , Suite 700 Atlanta , Georgia ( Address of principal executive offices ) GreenSky , Inc. ( Exact name of registrant as specified in its charter ) 30342 ( Zip Code ) Class A Class B ( 1 ) Securities registered pursuant to Section 12 ( b ) of the Act : Title of each class Trading Symbol GSKY Class A common stock , $ 0.01 par value Indicate by check mark if the Registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes No Indicate by check mark if the Registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Yes No Indicate by check mark whether the Registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the Registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes No Indicate by check mark whether the Registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T during the preceding 12 months ( or for such shorter period that the Registrant was required to submit such files ) . Yes No Table of Contents 82-2135346 ( I.R.S. Employer Identification No. ) ( 678 ) 264-6105 ( Registrant's telephone number , including area code ) Indicate by check mark whether the Registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See the definitions of " large accelerated filer , " " accelerated filer , " " smaller reporting company " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . Large accelerated filer Accelerated filer $ 0.01 $ 0.001 Non - accelerated filer Name of each exchange on which registered NASDAQ Stock Market If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . 1 Smaller reporting company Emerging growth company Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . < Indicate by check mark whether the Registrant is a shell company ( as defined in Rule 12b - 2 of the Exchange Act ) . Yes No Aggregate market value of the voting and non - voting common equity of the Registrant held by nonaffiliates as of June 30 , 2020 : $ 338,163,987 Indicate the number of shares outstanding of each of the issuer's classes of common stock , as of the latest practicable date : Class of Common Stock Par Value February 28 , 2021 76,822,102 106,151,713 ( ¹ ) Includes 5,028,177 shares of unvested Class A common stock awards . ( 2 ) Includes 489,486 shares of Class B common stock associated with unvested GreenSky Holdings , LLC units . DOCUMENTS INCORPORATED BY REFERENCE : Portions of the Proxy Statement for the 2021 Annual Meeting of Stockholders to be held on June 3 , 2021 are incorporated by reference in Part III .