Find answers to the questions we get asked most at Uncapped


What type of funding does Uncapped offer?

Uncapped offers business-friendly working capital to growing brands, retailers and merchants. Offers range from $10K to $10M depending on business.

We charge a flat 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.

How is Uncapped different from other funding options?

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.

Is Uncapped a substitute for Venture Capital?

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.

What is the cost of capital for an ecommerce founder?

We charge a flat 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.

Application process

Does my business qualify?

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.

Will applying impact my credit score?

Applying for an advance will not affect your personal credit score. We make our investment decisions based exclusively on your business information.

How do I find my store name?

For Amazon:

  1. Log in to your Seller Central dashboard and go to your settings in the top right corner.
  2. Click ‘Account Info’.
  3. Click ’Your Seller Profile’
  4. Copy the URL shown under ‘Storefront Link’. It will be in the format www.amazon.com/shops/yourstorename

For Shopify:

  1. Log in to your Shopify admin account.
  2. Your store name uses the format www.yourstorename.myshopify.com and can be found by looking at the URL in the address bar when you are logged into your account.

For Ebay:

  1. Log in to your account via www.ebay.com.
  2. In the top left hand corner select your account and choose account settings from the dropdown.
  3. Within the navigation menu click ‘Subscriptions’.
  4. Under ‘Active Subscriptions’ you will see within brackets see your store name e.g. [yourstorename].
  5. Copy your store name and the URL will be in the format www.ebay.com/str/yourstorename
How long does the process take?

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.


What data will I need to provide?

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.

How will you use my data?

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.

Is my data secure?

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.

Accessing funds

How can I access the funds?

You can access funds by submitting an invoice to be paid using our Client Portal, or by requesting cash to your bank account.

How quickly can I access the funds?

Once you sign an agreement with us, the funds should be available to spend the next day.

Is it possible to get additional capital as my business grows?

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.


How is the advance repaid?

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.

When do repayments begin?

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.

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