Uncapped Reviews

Uncapped provides fast, flexible, and founder-friendly business funding without personal guarantees or equity loss, tailored for high-growth and Amazon sellers.

Here are the Trustpilot Reviews from Uncapped:

Here are the Reviews from Uncapped:

From the first conversation we felt like we were in good hands. The thoroughness, streamlined process and attention to detail showed us Uncapped knew what they were doing. Uncapped really are friendlier than others in the space

Sara Slywka & Gui Picciotto

Uncapped provided us with extremely favourable rates and terms as well as a quick and easy to use process and platform. However, where they really stand out is their founder network and knowledge of what entrepreneurs need - they speak our language

Ed Armitage & Jess Higgins

Nobody saw the vision except for Uncapped so they were the obvious choice. They provided us with the necessary capital at a pivotal time to fuel the growth we were forecasting

Connor Westby & Adelina Cornelia Zotta

We wanted a finance partner that could grow with us and match the speed we operate at. That paired with the flexibility and smooth process Uncapped provided made it a no brainer

Akin Onal

Red Flag Alert is a very fast paced business, which is one of the similarities we share with Uncapped. The speed to which Uncapped deploys capital into businesses, as well as the fact they don’t take equity, are very attractive qualities. Having big growth targets and aspirations to be a market leader means we need an investor like Uncapped who matches these qualities

Richard West

Uncapped saw what traditional lenders didn’t and were able to provide us with the funds which have propelled us forward, quickly and professionally

Andrew Lane & Nikki Carpenter

Explore Uncapped's Finance Solutions:

Revenue-Based Finance (Growth Capital)

£5,000 - £10,000,000

Growth Advance (for e-commerce brands)

£10,000 - £5,000,000

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Explore Uncapped's Finance Solutions:

Loan Type:

Revenue-Based Finance (Growth Capital)

Loan Range:

£5,000 - £10,000,000

Loan Terms:

Flexible repayment based on revenue; typically 2-12 months

Minimum Turnover and Trading Age:

Minimum annual turnover of £60,000; minimum 6 months trading history

Interest Rate / Factor Rate:

Flat fee of 1.5% - 6.5% of the advanced amount

Fees:

No arrangement fees, no early repayment fees, no hidden charges

Loan Type:

Growth Advance (for e-commerce brands)

Loan Range:

£10,000 - £5,000,000

Loan Terms:

Repayment via a fixed percentage of daily sales until advance plus fee is repaid

Minimum Turnover and Trading Age:

Minimum £100,000 annual revenue; at least 12 months trading history for larger amounts

Interest Rate / Factor Rate:

Flat fee of 2% - 8% of advance amount

Fees:

No origination fees, no prepayment penalties

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More About Uncapped

Uncapped is a UK-based fintech lender founded in 2019. It provides revenue-based finance and growth capital to e-commerce and digital businesses. The lender is regulated by the Financial Conduct Authority (FCA) and operates through partnerships with platforms such as Stripe, Amazon, and others. This model aims to offer flexible funding without requiring equity dilution.

Key features

Uncapped offers a digital-first financing model with automated repayments integrated with payment platforms. Borrowers do not need to provide personal guarantees or give up equity. The repayment structure is tied to daily sales, so payments adjust with revenue. A potential advantage is rapid funding turnaround, often within 24 hours. The fee structure is transparent with no hidden charges. However, the cost may be higher than secured term loans, and eligibility is limited to specific sectors.

Automated repayment via payment platform integration
No fixed repayment schedule; pay only when you make sales
No equity dilution or personal guarantees
Online application with minimal documentation
Partnerships with Stripe, Amazon, Shopify, and other platforms
Real-time dashboard to track funding and repayments
Flexible funding amounts based on real-time revenue data

Eligibility

Businesses may qualify if they have at least 6 months of trading history and a minimum annual turnover of £60,000. The lender focuses on e-commerce, digital, and online services. Businesses outside these sectors are excluded. Geographic coverage is the United Kingdom.

Loan options

Uncapped offers two main products: Revenue-Based Finance (Growth Capital) and a Growth Advance for e-commerce brands. Both are unsecured and do not require personal guarantees. Repayment is linked to daily sales through payment platform integration.

Revenue-Based Finance (Growth Capital): £5,000 to £10,000,000. Terms typically 2 to 12 months. Flat fee of 1.5% to 6.5% of the advanced amount. No arrangement fees, no early repayment fees, and no hidden charges. Minimum annual turnover of £60,000 and 6 months trading history. No personal guarantee required. Repayment adjusts to a percentage of daily sales. Requires integration with supported payment platforms.
Growth Advance (for e-commerce brands): £10,000 to £5,000,000. Repayment via a fixed percentage of daily sales until the advance plus fee is repaid. Flat fee of 2% to 8% of the advance amount. No origination fees or prepayment penalties. Minimum £100,000 annual revenue and at least 12 months trading history for larger amounts. No personal guarantee or director liability. Limited to e-commerce and digital businesses using specific payment gateways such as Stripe, Amazon, or Shopify.

How to apply

The application process is online only. Decisions are often provided within 24 hours, sometimes the same day. Funds are typically released within 24 to 48 hours after approval. Required documents include bank statements, read-only access to the payment platform (e.g., Stripe), company registration details, and proof of identity.

Submit an online application with basic business details
Provide read-only access to your payment platform (e.g., Stripe) and upload bank statements
Receive a decision, often within 24 hours
If approved, funds are released within 24 to 48 hours

Funding Agent's view

Uncapped offers a revenue-based financing model tailored for e-commerce and digital businesses in the UK. Its strengths include speed, flexibility, and the absence of personal guarantees or equity dilution. A potential limitation is the higher cost compared to secured term loans, and the sector restrictions mean it may not suit traditional businesses or those with stable, low-margin operations. This type of funding may be relevant for fast-growing online sellers with consistent revenue streams, but borrowers should carefully assess the cost and repayment structure against their cash flow.