In fact, you can. Just use BMP
format. This format is stored from the bottom.
You can find a sample of image loading upward here. (You have to click on the button "Bitmap and .rle Images to display the sample.)
From the Bitmap file format at fileformat.info:
[Regarding file header structure] If Height is a positive number, then the image is a "bottom-up" bitmap with the origin in the lower-left corner. If Height is a negative number, then the image is a "top-down" bitmap with the origin in the upper-left corner.
You can find more info on this topic in SO or this one.