Upper90 Capital Management

Overview

Upper90 Capital Management is a private investment firm specializing in structured credit and equity investments for technology startups with predictable revenue or collateral. The firm focuses on capital-intensive e-commerce and fintech businesses, providing tailored debt and equity solutions to help founders retain more ownership while financing growth efficiently. Upper90 initially offers credit facilities ranging from $5 million to $25 million, which can scale up to over $250 million for Seed to Series B startups based on asset performance, not just equity raised. The firm's investment strategy emphasizes alignment with founders by leading with credit and participating in equity, aiming to be long-term partners across the capital stack. Upper90's portfolio includes companies in sectors such as e-commerce, fintech, supply chain, AI infrastructure, and energy transition. The firm is backed by a strategic group of over 300 business builders, enabling it to identify opportunities and add value by connecting companies with experienced operators across industries. Upper90's approach allows founders to own more of their companies without sacrificing growth, addressing the challenge of dilution in traditional funding rounds. The firm has a strong track record across multiple hybrid credit funds and a diverse portfolio of companies operating primarily in the fintech, supply chain, and AI infrastructure sectors. Upper90's investment philosophy centers on providing certainty and flexibility of capital to solve key near-term growth needs, offering corporate, asset-based loans, preferred equity, and other creative solutions to help founders scale while preserving optionality. The firm's network of strategic limited partners empowers it to identify, diligence, and add further value to companies by connecting founders with real operators across industries to help with customer and talent acquisition.

Investment Focus

• Predictable revenue
• Collateral

Portfolio Companies