Upper90
Growth equityProvidence · Seed–Series B · 23 people tracked
Investment thesis
Upper90 operates at the intersection of venture and growth equity, focusing on the thesis that data-driven credit products can help startups access capital more efficiently than traditional fundraising. The firm believes data proliferation enables access to credit for business fundamentals like marketing, inventory, and receivables, allowing companies to delay or skip Series A rounds. Upper90 targets the emerging class of online entrepreneurs leveraging modern e-commerce platforms, providing liquidity for scaling operations. The firm positions itself as a strategic fintech partner enabling platforms to embed financial products without diverting focus from core offerings, capturing value in the trend of fintech horizontalization across industries.
Source: firm website, verified Jul 21, 2026.
Team · 23 people
from the firm's websiteBilly Libby is a co-founder and CEO of Upper90 who advocates for founders retaining greater ownership by using debt thoughtfully on their capital structures, similar to how leverage is employed in real estate.
Jason Finger is a co-founder and chairman of Upper90 who advocates for credit-based financing solutions that allow online businesses with predictable models or asset collateral to enhance equity returns.
What they invest in
from 16 of 60 portfolio companiesFintech ×9AI & Machine Learning ×6Enterprise Software ×4SaaS ×4E-commerce ×3Cloud Computing ×2Data & Infrastructure ×2B2B Marketplaces ×1
HQs:United States×10United Kingdom×1Mexico×1
Investments · 60 tracked
founders shown can be your intro pathBeacon provides a platform that delivers real-time visibility and standardized data across supply chains through a unified dashboard for shippers, manufacturers, and retailers. The platform consolidates shipment tracking, enables data standardization, and facilitates team communication to reduce supply chain delays and inefficiencies.
AI & Machine LearningData & InfrastructureEnterprise SoftwareLogistics & Supply ChainSaaSLondon, GB
Authentic builds technology infrastructure for specialized insurance programs, enabling brokers and carriers to develop tailored coverage for specific niches and classes. The platform uses data analytics to improve underwriting decisiveness and speed in commercial insurance.
Enterprise SoftwareInsurTech
Cole Riccardi(CEO & Cofounder)Kyle Babirad(COO & Cofounder)Saravana Kumar(CTO)
Crusoe Energy provides cloud infrastructure and AI services through Crusoe Cloud, offering high-performance compute, accelerated storage, and optimized networking for training and deploying large language models. The company serves AI development teams and enterprises seeking faster model training and deployment with cost optimization.
AI & Machine LearningCloud ComputingEnergySan Francisco, US
Dandy is a digital dental laboratory that provides AI-powered technology and software to dental practices, offering services including crowns, bridges, dentures, implants, and clear aligners. The company serves dentists and dental practices with digital workflows, intraoral scanners, and case management tools to enhance clinical accuracy and patient outcomes.
AI & Machine LearningHealthtechMedical Devices
Daniel Hanover(Founder)in
DeepInfra provides inference infrastructure for deploying open-source AI models at scale, built from GPU hardware to API layer. The company serves organizations seeking reliable AI inference without vendor lock-in to proprietary models.
AI & Machine LearningCloud ComputingData & InfrastructureDeveloper Tools
Finley provides software to banks and asset managers that automates debt capital management, due diligence, compliance, and reporting for asset-backed finance, private credit, and structured finance. Following its 2026 integration with Concord, the platform expanded to offer backup servicing, collateral management, and fund administration across the deal lifecycle.
Enterprise SoftwareFintechSaaSSan Francisco, US
Jeremy Tsui(Founder)inKevin Suh(Founder)inJosiah Tsui(Founder)in
Gynger provides non-dilutive capital to startups to purchase software and infrastructure tools, combining financing with software procurement to help businesses manage cash flow without equity dilution or traditional lending requirements.
AI & Machine LearningFintechSaaS
Karat provides financial products and credit solutions for creators and entrepreneurs. The platform serves individual creators, talent agencies, and creator-focused businesses with tools to manage finances and access credit.
Creator EconomyFintechLos Angeles, US
Klover provides early access to earnings, budgeting tools, and rewards to help users manage debt and improve credit without interest charges, credit checks, or hidden fees. The company monetizes through consumer-permissioned data insights shared with partners rather than traditional lending fees.
Fintech
Mundi provides flexible financing solutions for Mexican exporters, including invoice factoring, purchase order advances, and revolving credit lines. The platform enables businesses to generate liquidity for their export operations through a fully digital, transparent process.
FintechMexico City, MX
Neon is a mobile app platform that lets users monetize their phone call data by sharing it with AI companies for model training, while maintaining control over their personal information.
AI & Machine LearningConsumer
Alex Kiam(Founder)
PayJoy provides financial services and credit access to unbanked and underbanked populations in emerging markets across Africa, Asia, and Latin America. The company enables customers without formal credit history or bank accounts to access financing, particularly for mobile devices.
B2B MarketplacesFintechImpact & Social GoodRetail TechSan Francisco, US
Doug RicketJohn ButtrickJosh McFarlandTodd Schell
Razor Group builds e-commerce products and services, leveraging technology and product-building expertise to develop next-generation solutions for the global e-commerce market.
E-commerce
Settle provides a platform that consolidates procurement and accounts payable for consumer packaged goods (CPG) brands, enabling them to manage purchases, track spending, and pay vendors. The platform also offers working capital financing to support cash flow and production schedules for CPG companies.
E-commerceEnterprise SoftwareFintechSaaSSan Francisco, US
Nish Samantray(Co-Founder)Greg Davidson(CEO & Co-Founder)
Frequently asked questions
- What stage does Upper90 invest at?
- Upper90 invests at the Seed, Series A, Series B stages.
- What is Upper90's typical check size?
- Upper90 typically writes checks of $5M – $25M.
- What sectors does Upper90 focus on?
- Upper90 focuses on E-commerce, Fintech, Sector Agnostic.
- Where is Upper90 located?
- Upper90 is headquartered in Providence, US.
- Does Upper90 lead rounds?
- Upper90 typically participates in rounds rather than leading them.
Similar investors
RTP Global is a venture capital firm founded in 2000 by Leonid Boguslavsky that invests in early-stage B2B and B2C technology companies. The firm manages a $1 billion fund and backs founders across seed through Series B stages, with offices in New York, Bangalore, London, and Paris.
A venture capital firm investing in early-stage technology companies serving Spanish-speaking markets globally, with a focus on AI readiness and data-driven solutions across industries with significant human intervention and critical data needs.
Sozo Ventures invests in technology-enabled companies pursuing global expansion, with a focus on category leaders in advanced data technologies, ecommerce, enterprise cloud, fintech, IoT, and healthcare IT. The firm engages across all stages from seed to pre-IPO, providing market access and strategic support for international market entry.
Crew is a venture capital firm founded by operators who have built and scaled one of the world's largest software companies. The team brings direct experience tackling the evolving challenges that technology company founders face today.
500 Global's Sustainable Growth practice designs and implements sovereign-aligned strategies that unlock resilient, inclusive, and sustainable economic growth across the Global Majority—Asia, Africa, Latin America, and the Middle East. The practice bridges public priorities and private capital through ecosystem development, blended finance, and localized innovation programs addressing health, agriculture, gender, climate, and education.