Outfund vs Uncapped: Compare Rates & Features

This guide compares Outfund and Uncapped for UK founders and finance managers deciding between non‑dilutive growth capital options. We look at products, costs, repayments, speed and eligibility. The focus is on online businesses, including e‑commerce financing and SaaS finance needs. It matters now because cash flow is tight, and terms differ a lot between lenders. Small details like fee structure and repayment style can change your total cost.

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Outfund vs Uncapped: fast, clear funding choices for UK SMEs

This dashboard shows only verified, like-for-like metrics you can scan in minutes. Each tab explains what the numbers mean in practice, with simple examples you can map to your next cash need.

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Products and Terms at a Glance

Outfund overview, loan sizes, fees, repayment style, terms, eligibility

Outfund provides non‑dilutive funding for companies that take online payments. It offers revenue share or fixed‑term structures. Repayments are taken by direct debit on a daily or weekly schedule. Terms are usually 3, 6, 9 or 12 months. These points are set out in Outfund’s own FAQs and product pages.

• Funding amounts. Guidance on Outfund’s site states typical offers from about £10,000 up to £10 million for suitable businesses, with tailored offers usually within 48 hours.
• Repayment style. Choose revenue share that rises or falls with sales, or fixed instalments. Collection is by daily or weekly direct debit.
• Fees. Outfund prices with a transparent flat fee. Market commentary for its Series A notes a flat fixed fee from around 2% for the most competitive offers. The exact fee depends on performance and term.
• Eligibility. As a guide, expect to need 12+ months trading and c. £25k monthly revenue.
• Security. Marketplace summaries indicate no personal guarantees are normally required.

Sources: Outfund FAQs and product pages; press and marketplace summaries. See Sources for links.

Pros of Outfund

• Choice of revenue share or fixed repayments suits different cash flow profiles.
• Short terms and quick decisions. Outfund often turns around applications within 24–48 hours.
• Transparent single fee. No compounding interest. Easy to understand total repayable.
• Usually no personal guarantee required, which reduces founder risk.
• Top‑up potential once part of the facility is repaid, useful for cyclical marketing and inventory.

Cons of Outfund

• Short maximum term means higher weekly cash outflows than a multi‑year term loan.
• Revenue share can lengthen the payback if sales dip, although payments reduce in line with turnover.
• Eligibility thresholds can exclude earlier‑stage firms under about £25k monthly revenue.

Uncapped overview, loan sizes, fees, repayment style, terms, eligibility

Uncapped now focuses on fixed‑term business loans and a revolving line of credit for online brands. The company states it no longer offers revenue‑based finance, and positions fees as fixed and transparent. Decisions can be as fast as 24–48 hours.

• Funding amounts. Headline messaging markets up to $2 million within 48 hours. Product FAQs note ranges vary by business and product.
• Repayment style. Fixed‑term loans use fixed instalments. You can set daily, weekly or monthly schedules to match cash flow. The line of credit charges interest only on what you draw and revolves as you repay.
• Fees. Fixed‑term loans carry a fixed fee often quoted from about 0.7% per month, not tied to revenue. The line of credit uses a simple APR that can start around 10.99% for suitable firms.
• Eligibility. Uncapped targets established brands. Site messaging points to c. $100k+ monthly revenue for growth working capital and c. $500k+ monthly revenue for the line of credit.
• Security. Uncapped highlights no personal guarantees, no equity, no warrants and no hidden fees on its working capital products.

Sources: Uncapped homepage, product and FAQ pages, and Uncapped’s own announcement that it removed RBF. See Sources for links.

Pros of Uncapped

• Clear, fixed fee on loans. Predictable cash flow planning.
• Revolving credit gives ongoing access as you repay. Good for purchase orders and rolling marketing.
• No personal guarantees, no equity and no warrants noted on site.
• Fast process with application and decisions often within 48 hours.
• Flexible repayment frequency options on fixed‑term loans.

Cons of Uncapped

• RBF no longer available. Companies wanting payments that flex with revenue will need to look at other lenders or products.
• Revenue thresholds are higher than some rivals. Smaller brands may not qualify for the line of credit.
• Loan fees are quoted per month. The effective total fee rises with the term length.

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Costs and Repayments in Practice

Both lenders avoid equity and offer unsecured working capital. Costs differ in structure. Outfund prices using a flat fee over a short term. Repayments can be a fixed instalment or a percentage of sales. Uncapped prices its fixed‑term loans with a fixed monthly fee and its line of credit with a simple APR. Neither model compounds interest in the way a traditional amortising loan might, but the cash flow pattern is different. Make sure the structure matches how your business earns cash.

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Worked example: Outfund revenue share

Assumptions for illustration only. Always check your offer. We assume a flat fee rather than APR, which is common for this product. Numbers round to the nearest pound.

A UK DTC brand takes £200,000 average monthly sales. Outfund advances £150,000 on a 9‑month plan with a 6% flat fee. Total repayable is £150,000 + £9,000 = £159,000. Repayments are 8% of card and online sales, collected weekly. At £200,000 monthly sales, 8% equals about £16,000 per month. That would clear the £159,000 in around 10 months. If sales dip to £150,000, the payment falls to about £12,000 a month and the term extends. Cash flow stress reduces in quieter months, but the facility may take longer to settle.

Worked example: Uncapped fixed‑term loan

Assumptions for illustration only. We use a fixed monthly fee model as described on Uncapped’s site. Numbers round to the nearest pound.

A Shopify brand needs £250,000 for inventory and ads. Uncapped approves a 12‑month fixed‑term unsecured business loan. The fee is 0.9% per month of the funded amount. Total fee equals 10.8% of £250,000, which is £27,000. Total repayable is £277,000. Paid as equal monthly instalments, this is about £23,083 per month. Payments are predictable. If revenue dips, the payment stays the same, so the finance team must plan headroom.

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Speed and Service

Both lenders put speed at the centre of their pitch. Outfund’s pages refer to application review in about 24 hours and rapid activation. Uncapped highlights online applications, decisions in about 48 hours, and funding that can arrive within a day. Both take data‑driven underwriting using platform and banking connections. Expect to connect sales, ad accounts and bank feeds. Expect to authorise direct debits. Support is via email and account managers once live. Neither runs a branch network. This suits digital‑first SMEs that want decisions in days rather than weeks.

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Who Each Lender Suits

Typical scenario for Outfund

Outfund suits brands with revenue volatility that want payments to match turnover. Think e‑commerce businesses with seasonal peaks or campaigns that can spike sales. A revenue share can align repayments to receipts. Fixed repayments are also available for teams that prefer set schedules. The short terms help fund sprints in marketing or stock buys. The model also fits agencies with lumpy retainers, subscription brands in growth, and marketplaces needing stock financing. If you are building to a specific event, and want to repay in under a year, this is a good fit.

Typical scenario for Uncapped

Uncapped works well for scale‑ups with steady revenues and defined growth plans. Fixed‑term loans help lock in a consistent cash outflow. The line of credit is useful if you want ongoing access to draw, repay and redraw, similar to an overdraft but without bank collateral. Larger online brands use it for purchase orders, longer ad plays and supplier terms. Founders that do not want personal guarantees will value the security stance. If you need predictable outgoings, and you qualify on revenue, Uncapped’s structure is straightforward.

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How to Apply

Application steps and documentation required for each lender

Outfund. Create an account and submit an application online. Provide company details, ownership, historic revenue data and connected platform data where relevant. Typical criteria include 12+ months of trading and around £25,000 monthly revenue. Outfund aims to review within about a day. If successful, you receive a tailored offer to choose from. You authorise a direct debit for daily or weekly collections and verify identity. Funding can be activated quickly, often with a virtual card for ad spend. Keep bank statements, accounting exports and ID for directors to hand.

Uncapped. Start online and complete the short eligibility survey. Connect your sales and bank data to speed underwriting. Uncapped typically gives a decision in about 48 hours, and funding can arrive within 24 hours of approval. For fixed‑term loans you will agree a fixed repayment schedule and fee. For the line of credit you will agree a limit and pricing, then draw as needed. Uncapped flags that it does not require personal guarantees or equity. Prepare management accounts, bank statements, proof of trading history and ID for directors.

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Final Verdict: Which Lender Fits Your Business Best

Choose Outfund if…

• Your revenue moves with seasons and campaigns and you want repayments that flex.
• You want short, focused facilities to fund ads or inventory for under a year.
• You prefer a single flat fee rather than interest. You want clarity on total repayable on day one.
• You need quick access and simple eligibility for online businesses.
• You want the option to switch between revenue share and fixed instalments based on plan.

Choose Uncapped if…

• You value predictable outgoings and fixed instalments for planning.
• You want a revolving facility you can draw and repay as needed without early repayment fees.
• You want no personal guarantees and no equity or warrants.
• Your brand is already at meaningful scale, with steady monthly revenue.
• You want a lender focused on online brands with quick digital underwriting.

Both lenders can fund growth without giving up equity. The choice is not about right or wrong. It is about matching repayment style to your sales pattern, and matching product to the size and stage of your brand. If you would like help comparing offers, speak to Funding Agent or use our enquiry form. Our team can benchmark pricing and structure across the market.

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Sources

• Outfund FAQs: repayments, term lengths, collections and process
• Outfund Funding page: fixed‑term loans, repayment control and 24‑hour funding statements
• Outfund Insights guide: £10k to £10m guidance and 48‑hour offers
• Startups Magazine on Outfund pricing from 2% flat fee
• Capitalise lender profile: Outfund revenue advance, no personal guarantees and fixed transparent fee
• Uncapped homepage: products, speed, no personal guarantees and headline amounts
• Uncapped blog: removal of revenue‑based finance and focus on fixed‑term loans
• Uncapped fixed‑rate financing page: fixed fee not tied to revenue
• Uncapped FAQs: decision times, no credit score impact, loan fees and LOC APR
• Uncapped line of credit page: draw, repay and redraw with no early repayment charge

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