Uncapped offers business-friendly working capital to growing brands, retailers and merchants. Offers range from £10K to £10M depending on business.
We charge a fixed fee on our capital starting as low as 0.8%. We no longer offer revenue based financing and instead offer fixed term loans and line of credit for eligible businesses.
We don’t take equity, personal guarantees, warrants, or hidden fees. The amount accessible is based purely on your actual business performance.
Unlike venture capital, Uncapped offers founders the opportunity to raise crucial growth capital without giving up control of their business. Equity can be one of the most expensive ways of raising working capital, but many founders are also wary of subjecting their businesses to the interest rates of traditional debt. Uncapped offers a fair and flexible alternative that doesn’t currently exist in the European market.
Uncapped works alongside or instead of venture capital and was established to address the fact that, for many small businesses, venture capital is simply not the best way to raise finance. Uncapped offers fair and flexible funding that can be used to finance a growing business without the founders having to give up equity or take on the burden of traditional debt.
We charge a fixed fee on our capital from 0.7% to 1.5% per month. The average monthly fee is 1%. An agreement has a minimum of 2 months, so the lowest base-fee we will charge is 2%.
Example: For an 6 month term, the base-fee will be 6%.There is no interest rate. You’ll know the exact total amount you are paying before you accept the offer of capital.
Unlike banks, we pride ourselves on understanding young, digital business all over the world. We can work with Limited Companies with at least six months of trading history, who are generating at least £100k+ of monthly sales (or £10k+ for Amazon Sellers). We specialize in funding businesses who have a working capital need and are predominantly in the ecommerce space. We do accommodate offline sales if data can be provided. Unfortunately, sole traders are not eligible.
To see if your business qualifies, complete the 3-minute survey on our homepage and we will get back to you within 24 hours to confirm your eligibility.
Applying for an advance will not affect your personal credit score. We make our investment decisions based exclusively on your business information.
For Amazon:
For Shopify:
For Ebay:
You can access funds in as little as 24 hours of applying online. The first step is to see if you qualify by completing the 3-minute survey on our homepage.
To receive funding from Uncapped, you don’t need to share any business plans, cap tables, or pitch decks.
All we need is to verify your business performance. So we’ll ask you to connect us to your business’ existing sales and marketing platforms like Stripe, Shopify and Facebook. We’ll also connect to your bank and tax software.
Before we can send you the funding, we’ll also need to verify the identity of key people in the company. We just need a couple of basic details including, a quick selfie and a photograph of an official photo ID.
As founders ourselves we know how important it is to have your information kept completely confidential. We’ll never sell your data to third parties. See our privacy policy for more details.
Uncapped secures your data with bank-level encryption. Hardware Security Modules are used to protect encryption keys, and the solution is certified by the encryption services provider to FIPS 140-2 Level 3.
You can access funds by submitting an invoice to be paid using our Client Portal, or by requesting cash to your bank account.
Once you sign an agreement with us, the funds should be available to spend the next day.
Yes, our funding can scale with your business. If your company has grown significantly, contact your account manager to discuss your options. We want to be your long term growth partner, not a one time lender.
We will automatically collect the repayments, either by connecting to your payment processor or by direct debit so you don’t need to worry about remembering.
Repayments will begin on the date agreed on your Offer Letter. This is typically the same day you receive the investment in your bank account.
