October 21, 2025

Lender Comparisons

Wayflyer vs Uncapped: Which is the best E-commerce Funding Provider

Explore financing options with Wayflyer and Uncapped. Learn about their services, market performance, and latest updates.

James Laden

Co-founder and CEO

UK small businesses seeking fast growth capital in 2025 have more fintech funding options than ever. This guide compares Wayflyer and Uncapped, two leading alternative lenders for online businesses. Both promise quick, flexible financing without the hurdles of traditional banks. We’ll break down their products, pricing, speed, and suitability to help you decide which lender fits your company’s needs in today’s evolving market.

TL;DR

Repayments: Wayflyer uses revenue-linked or fixed daily remittances. Uncapped uses fixed instalments over a set term.
Pricing: Wayflyer charges a one-off fixed fee (commonly 5–10%). Uncapped charges a monthly flat fee (roughly 0.7–1.5% per month).
Speed: Both are fast. Wayflyer can fund within 24 hours after approval. Uncapped typically decides within 24–48 hours and funds soon after.
Eligibility: Wayflyer suits smaller e-commerce brands (≈£10k+ monthly). Uncapped targets larger scale-ups and SaaS (typical customers ≈£80–100k+ monthly).
Choice guide: Pick Wayflyer for seasonal product businesses that need flexible payments. Pick Uncapped for larger, predictable-revenue firms that want longer terms and predictable cash outflow.

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Products and Terms at a Glance

Wayflyer overview

What it is: Wayflyer offers short-term growth capital to product-led online businesses. It is built around merchant-style advances and revenue-linked repayment. They add a single fixed fee on top of the capital instead of traditional interest.

Typical deal: Advances from a few thousand to large sums (their public ranges show small to multi-million capacity). Typical repayments aim to clear the advance in a few months. Many deals end in 4–8 months, but repayment length varies with sales. Wayflyer often asks for six months’ trading and a baseline of online sales to qualify.

Pros of Wayflyer

Repayments scale with sales. That protects cash flow in slow months.
Quicker access for smaller online sellers (lower revenue thresholds than Uncapped).
No collateral or personal guarantee for typical deals.
Fast underwriting and same-day or next-day funding in many cases.
Analytics dashboard and growth support for e-commerce metrics.

Cons of Wayflyer

The flat fee can be expensive if repayment stretches out. A 5–10% fee paid over many months implies a high effective APR.
Best suited to product sellers; pure service or low-transaction SaaS may not fit the model well.
Shorter typical terms than bank loans or some Uncapped facilities.

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Uncapped overview

What it is: Uncapped supplies growth capital to online businesses and SaaS companies. It has moved from pure revenue-share to fixed-term funding with a flat monthly fee. That fee is quoted as a percentage of the principal per month. You repay fixed instalments on a set schedule.

Typical deal: Uncapped will fund from small starter advances up to multi-hundred-thousand or multi-million draws for established firms. They offer lines of credit for ongoing drawdowns. Typical terms are 6–24 months. Uncapped expects several months of trading and higher recurring revenue for larger deals.

Pros of Uncapped

Predictable repayments and clear total cost from day one.
Longer maximum terms (commonly up to 12–24 months), which can ease monthly cash pressure.
Supports SaaS and subscription businesses as well as e-commerce.
Offers credit lines so you can draw as needed.
Dedicated account managers and a founder-friendly support model.

Cons of Uncapped

Higher revenue thresholds for larger sums; small sellers may not qualify.
Fixed instalments do not automatically adjust if sales fall.
Fees charged per month can add up over long terms.

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Costs and Repayments in Practice

How pricing works: Wayflyer adds one fixed fee to the advance (commonly 5–10%). You repay principal plus fee via a revenue share or fixed daily debit. Uncapped charges a monthly flat fee (commonly 0.7–1.5% per month). That fee multiplies by the loan months to give total cost. Both models avoid compound interest; both quote total pounds payable up front.

Cost Factor	Wayflyer	Uncapped
Funding amount range	Approx. £4k to £15M^* (about 1.5–3× your monthly revenue)	Approx. £8k to £1.6M (larger with special arrangements), plus credit-line facilities up to ~£5M
Fee model	Single fixed fee (5–10% typical) on the advance, regardless of how long repayment takes	Flat fee accrued by term (0.7% 1.5% of loan per month). e.g. ~1%/mo ≙ 6% fee for 6mo or 12% for 12mo
Repayment method	Daily ACH from your sales revenue (either a fixed % of daily sales or a fixed daily amount)	Fixed instalments on a set schedule (daily, weekly, biweekly, or monthly autopay from your bank)
Typical time to repay	4–8 months is common (can vary with sales; no hard term limit if % of revenue)	6–12 months standard (up to 24 months max if needed for larger loans)
Early repayment	No penalty, but the full fixed fee is still owed (paying faster doesn’t save money, it just frees up your cash flow sooner)	No penalty, and you only pay for the months you had the loan. Paying off early stops future monthly fees from accruing (so you do save money if you repay ahead of schedule)

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Interactive Lender Comparison Dashboard

This dashboard compares key loan features for both lenders, showing rates, amounts, terms, speed, and more to help UK SMEs choose wisely.

Here we compare the headline range of rates/fees: Wayflyer fixed fee ~5-10% of advance vs Uncapped monthly 0.7-1.5% (≈8.4-18%/yr) or APR ~10.99%+ for the line. A founder should assess which model yields a lower effective cost given their repayment horizon.

The ceiling for Wayflyer (up to ~US$20m) makes it suitable for large scale brands; Uncapped’s typical upper range is lower, so it is better for mid-sized growth businesses.

Term lengths vary: Wayflyer often aligns with campaign timeline (months) while Uncapped’s term model may stretch longer; longer term increases total cost.

Wayflyer advertises funding in as little as 24 hours; Uncapped targets ~48 hours for decision. Time to funding matters if you’re deploying a fast-moving campaign.

Fees in pounds: Wayflyer one-off £X fee vs monthly fees for Uncapped; early repayment benefits vary significantly by model.

Up-front arrangement charges tend to be lower or absent for both compared to traditional lenders, but confirm at offer stage.

This radar shows digital integration capabilities: both firms support bank feed, e-commerce platforms and ads/analytics; the better the data pipeline the faster and better the pricing.

User ratings: Wayflyer often quoted at ~4.9/5 on Trustpilot; Uncapped typically in the mid-4s. Review volume and geography vary, so treat as directional. :contentReference[oaicite:16]{index=16}

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Worked example — Wayflyer

Scenario: an online apparel store with £50,000 monthly sales needs £30,000 for inventory.

Wayflyer offer: £30,000 with an 8% fee = £2,400 fee. Total repayable = £32,400.
If you remit 10% of daily sales, you send £5,000 a month on £50k sales. At that pace, repayment takes ~6.5 months.
If sales rise or fall, the monthly remittance moves with sales. You never pay more than the agreed % of sales in any period.

Worked example — Uncapped

Scenario: a SaaS business with £120,000 MRR wants £100,000 for marketing.

Uncapped offer: 12 months, 1% per month fee = £1,000/month fee, total fee £12,000. Total repayable ≈ £112,000.
Repayment: fixed weekly or monthly instalments of the principal plus fee. You know the exact cash outflow each period.
If you repay early, you save the remaining monthly fees. The fixed schedule gives clear budgeting.

Speed and Service

Both lenders focus on speed. Wayflyer automates underwriting from sales and ad data. Many applicants see offers the same day and funds the next day in simple cases. Uncapped uses automated analysis plus an account manager review. They typically deliver a decision in 24–48 hours and can fund rapidly after signing. Both fund far faster than traditional banks.

Customer support: Wayflyer and Uncapped provide account contacts. Wayflyer highlights an analytics dashboard and quick service. Uncapped offers a dedicated account manager and founder network connections. Trustpilot scores quoted in the source show high customer satisfaction for both, with Wayflyer ahead by a small margin in that dataset.

Who Each Lender Suits

Scenario 1 — Small seasonal retailer

Profile: Online gift hampers, 9 months trading, ~£20k monthly sales, big seasonality.

Best fit: Wayflyer. Revenue-linked repayments match seasonal cash flow. Eligibility is realistic for this revenue band. Wayflyer’s quick funding helps you buy stock before the season. Uncapped may decline or offer small sums unless revenue rises.

Scenario 2 — High-growth SaaS

Profile: B2B SaaS, £120k MRR, needs £500k for growth, plans a VC round in 18 months.

Best fit: Uncapped. They tailor deals to recurring revenue and can provide larger sums and longer terms. Fixed instalments make budgeting simple during scale-up. Wayflyer may not offer the same scale or term for SaaS.

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How to Apply

Wayflyer — steps

Sign up online and answer basic business questions.
Connect sales, payment and ad accounts (Shopify, Stripe, Facebook, etc.).
Review offers generated by their platform and pick one.
Provide any final verification docs, sign, and receive funds (often within 24 hours of approval).

Uncapped — steps

Complete the quick eligibility form on their site.
Link sales and bank accounts for analysis.
Discuss offers with an account manager and agree terms.
Sign the agreement, then receive funds. Lines of credit allow staged drawdowns.

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Final Verdict, Which Lender Fits Your Business Best

Choose Wayflyer if…

You run an online product or DTC brand and need short-term stock or marketing cash.
Your sales are seasonal or variable and you value payments that scale with revenue.
You want fast, automated underwriting and quick funds with no collateral.

Choose Uncapped if…

Your revenue is larger or recurring (SaaS, subscription, established e-commerce).
You need bigger sums, longer terms, or a credit line for staged drawdowns.
You prefer predictable instalments and a dedicated account manager.

Both lenders are valid non-bank options. Use Wayflyer for flexible, revenue-linked, short-term needs. Use Uncapped for larger, predictable, term-based financing. If unsure, apply to both (applications do not usually hit personal credit) and compare offers in pounds. For tailored help, use Funding Agent or complete the enquiry form to get independent guidance.

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Sources

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FAQ’S

What services does Wayflyer offer?

How does Uncapped support startups?

Is there a minimum revenue requirement for Wayflyer financing?

What is the repayment method for Uncapped funding?

Are there fees involved with Wayflyer loans?

Can Uncapped funding be used for marketing?

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