Billy Libby

Co-Founder / Managing Partner / CEO, Upper90
Billy Libby, a former Goldman Sachs electronic trading quantitative trader, applies public-market, data-driven underwriting to craft hybrid credit–equity facilities that finance predictable revenue and working capital without diluting ownership.
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Stages their fund invests in
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Sectors their fund invests in
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Avg Check
$5M - $10M
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Does their fund Lead?
No
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Geos their fund invests in
USA
Billy Libby
Stages their fund invests in
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Sectors their fund invests in
Fintech
Ecommerce
Logistics
Marketplaces
SaaS
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Avg Check
$5M - $10M
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Leads?
No
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About Billy Libby

Billy Libby brings a quantitative trading background from Goldman Sachs' electronic trading group to venture capital, importing data-driven underwriting methods from public markets to create hybrid credit-equity structures for private companies. He champions the philosophy that it's not how much you raise, it's how much you own, designing credit facilities that let founders finance predictable revenue streams and working capital needs without diluting equity ownership.

About their Fund

Sectors
Fintech, Ecommerce, Logistics, Marketplaces, SaaS
Rounds
Seed - Series A
Avg Check Size
$5M - $10M

Upper90 is a hybrid credit and equity fund that requires both components in every deal, allowing them to structure bespoke credit against specific revenue streams while helping founders "skip or delay your Series A" to retain more ownership. Their LP base consists of 300+ founders and operators who drive deal sourcing, and they focus on data-predictable cash-flow businesses where they can provide large credit lines (sometimes 10x+ the equity raised) against predictable revenue streams.

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