Why we started Upper90
What matters most is how much you own, not how much you’ve raised.
Founders and early investors who are taking the most risk should keep more of the upside.
Startups benefit from a hybrid firm, like Upper90, for more efficient growth capital.
Data is everywhere, creating new asset classes
The explosion in data enables startups to access credit earlier for the healthier parts of their business (including marketing, inventory, equipment, acquisitions, and receivables). As soon as businesses become de-risked, the goal of growth equity firms is to invest as much capital as possible. Upper90 can help startups delay, or even skip their Series A, without sacrificing growth by financing a portion of the business earlier with debt.
It’s the golden age of entrepreneurs
The E-Commerce platforms pioneered by Facebook, Amazon, Google, Netflix, Airbnb, and TikTok allow solopreneurs to start businesses online with little friction. However, traditional capital is still required to scale key areas like marketing, payroll, and inventory. These are areas in which Upper90 can help provide valuable liquidity to help businesses continue to scale.
Fintech becomes a horizontal vs vertical
The riches are in the niches and fintech is becoming a part of virtually every industry. All platforms with customers and proprietary data will look to offer financial products in the future. Upper90 can be a strategic partner allowing companies to focus on their core products versus capital markets.