FAQ

Find answers to the questions we get asked most at Uncapped

General

What type of funding does Uncapped offer?

Uncapped offers investment capital with offers ranging from £10k to £2m through a revenue share agreement.

We charge a flat fee on our capital starting at 6% with repayments in line with monthly revenues, taken as a percentage of sales. This is not an interest rate.

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?

We charge a flat fee on our capital which starts at 6%.

There is no interest. We don’t charge applications, arrangements, or any other fees. So you’ll know the exact total amount you are paying before you accept the offer of capital.

Application process

Does my business qualify?

Uncapped is available to European businesses with at least nine months of trading history which process payments online. It is particularly relevant to companies in the e-commerce, SaaS, direct-to-consumer, gaming and app development sectors.

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 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.

Data

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 using either your Uncapped Credit Card provided by MasterCard or by submitting an invoice to be paid using our Client Portal.

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.

Repayment

How is the advance repaid?

We understand that your business will fluctuate from month to month, so our repayments are tied to your sales. We agree a percentage of revenue with you, which you will then share with us until the advance and flat fee is repaid. This means that if the market slows or your sales drop, your repayments will drop too.

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.

What percentage of revenue will I need to share with Uncapped?

Most businesses share 5-25% of future revenues. We’ll agree the final percentage individually based on your budget and business needs.

Uncapped card

Where can I see my transactions history?

You can see your transactions, including money advanced, spent and repaid by signing into your Client Portal.

What should I do if my card is lost or compromised?

Notify us at support@weareuncapped.com immediately if you notice or suspect anything strange including a charge made without your permission or if your card number, pin, CVV, or password has been lost, stolen, or compromised.

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