Upper90 is a hybrid fund that invests founder-friendly credit and equity to early stage commerce, fintech, marketplace, and supply chain startups

New York, NY
Joined December 2020
Upper90 Capital retweeted
I’m so excited to announce our Series B!! Thanks @ryanlawler for breaking the news: axios.com/pro/fintech-deals/… A huge thank you to @beyroutey from @iaventures for leading the round and the rest of our investors for supporting us (@rohanm_ from @BrewerLaneVC , @keithhamlin from @thirdprimevc , @ckwitt3 from @upper__90, and others!) our team for building such a meaningful organization, our clients for working with us to set a new standard, and the consumers we engage with for teaching us and helping us become better. But, there’s so much left to build. We’re addressing an increasingly important problem in today’s economy. We’re hiring for many roles now, including a lot of engineers. boards.greenhouse.io/january… If you know anyone, please reach out!
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Upper90 Capital retweeted
1/ Spent time exploring the intersection of vertical software & financial products. We're excited about businesses building operating systems: non-negotiable sets of data, standards, & workflows that fuel SMBs operations, tailored to a particular industry upper90capital.substack.com/…
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Upper90 Capital retweeted
FinTech can play a pivotal role in escalating vertical software businesses by offering an additional avenue for revenue beyond the conventional subscription-based models, especially considering the financial constraints of SMBs in comparison to larger enterprises. For instance, businesses like Toast and Shopify significantly amplify their revenue through fintech, primarily payments, and are extending their reach into facets like lending, invoice factoring, insurance, and payroll management. Vertical software platforms, once established as the primary operating system for SMBs, can further deepen customer relationships and monetization via consistent product innovations, with fintech being a strikingly impactful medium. Utilizing financial offerings not only expands revenue streams but also acts as catalysts for customer acquisition, retention, and offers expanded value propositions, fortifying the platform's integral role in businesses' operations. Examples such as Authentic, which allows vertical software companies to provide SMB insurance coverage, showcase the potential of embedding financial platforms in vertical software. This integration provides an assortment of opportunities like gauging customer intent for financial products, enabling pre-approvals based on existing platform data, reducing customer acquisition costs, diversifying revenue, and enhancing customer retention by creating a comprehensive one-stop solution. I highly recommend reading the complete source article by @upper__90 for more info on this topic: upper90.medium.com/vertical-… Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ] Anything to add about this subject? [ 𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁 ] Nice story, Marcel. Next! [ ❤️ ] #fintech #embeddedfinance #embeddedbanking #embeddedfintech #financialtechnology #fintechindustry #fintechstartups #insurtech #paytech #banktech
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Upper90 Capital retweeted
1/ Increasingly intrigued by insurance premium finance market, a pocket of specialty finance owned by a small # of regional banks and specialty finance co's. Feels like a lot of opportunity for product, payments, and distribution innovation.
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Upper90 Capital retweeted
Debt for startups is ridiculously confusing. You're stuck with terms like "delayed draw term loan" and "AQR covenants". However, tons of startups are searching for non-dilutive ways to extend their runway. Am I a debt expert? No shot. So we teamed up with @upper__90 for a webinar on Wednesday at 2 pm EST. Link below to join 100 other founders / CFOs👇
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Upper90 Capital retweeted
This week's pod is a deep dive into venture debt w/ @Billy__Libby of @upper__90. Discover a new financing approach for startups that challenges equity focus and learn valuable insights on asset-based lending. IMHO a must-listen for founders/entrepreneurs. ipl.vc/p89tm
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Upper90 Capital retweeted
I’d like to express my sincere gratitude to our investors, @GradientVC, @upper__90 , @VineVenturesLP , @QuietCapital , @Deciens , @mxvcapital @benln @darian314 @ericmreiner and our early customers and of course my entire team!! LFG!
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💰 #inversion 🇲🇽 @munditrade recauda 16M$ en una ronda liderada por @usv OTROS INVERSORES 🖊️ @Andbankes 🖊️ @upper__90 🖊️ @Base10Partners Más información ⬇️ elreferente.es/america/inver…
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Upper90 Capital retweeted
Replying to @Jason
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Upper90 Capital retweeted
Great new f-prime fintech report with some good data spanning public & private companies
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Upper90 Capital retweeted
We’re excited to double down on our initial investment in @Opontia1. Philip, Manfred, and team have done a stellar job positioning Opontia as the leading sellers' roll-up player in its markets. We’re also excited to welcome @STVcapital (round lead) @upper__90 & @VentureSouq
Opontia gets $42M to buy more e-commerce brands in Eastern Europe, Middle East and Africa tcrn.ch/3y5DtY9 by @ulonnaya
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Upper90 Capital retweeted
We didn’t just survive #Turkey5 this year, we absolutely crushed it. To keep our teams motivated throughout, we offered up an executive pie eating contest if we could hit our benchmarks. Learn more about our historic Turkey 5: prnewswire.com/news-releases…
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Upper90 Capital retweeted
Congratulations to our team—Thrasio made @Inc's 2021 Best-Led Companies, a data-driven list of America’s top 250 midmarket companies. See the full list here: inc.com/best-led-companies
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Know how Beacon is moving towards resilient, reliable, and transparent #global #supply #chains with its €43M #funding Read here: bit.ly/3lcKAJq @upper__90 @Benioff @salesforce_NL @Expa @fraserarobinson Dmitri Izmailov #Startups #Expansion
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Upper90 Capital retweeted
A hyper-growth digital supply chain and logistics platform has raised £37m. Amazon founder Jeff Bezos and Salesforce CEO Marc Benioff has been joined by new VCs in backing Beacon 🚢 businesscloud.co.uk/blog/202…
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Upper90 Capital retweeted
Thank you @NDPetroleum for honoring @CrusoeEnergy with the Environmental Stewardship award!
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Upper90 Capital retweeted
An #eCommerce company which supercharges Amazon brands has raised £145m. @makeheroes will use the funds to acquire and scale consumer brands across globe 🚀 businesscloud.co.uk/145m-to-…
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