Uncapped
Uncapped is a London-based fintech founded in 2019 that provides revenue-based financing ($10K–$5M) to eCommerce founders and D2C brands without equity dilution. Its platform connects to Amazon, Shopify, and Stripe for automated underwriting, serving 1,000+ businesses across the UK, US, and EU.
- Company typePrivate
- Founded2019
- HeadquartersLondon, United Kingdom
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Uncapped does
Uncapped is a London-headquartered fintech founded in 2019 that provides revenue-based financing to eCommerce founders and digital businesses, enabling them to raise growth capital without equity dilution, personal guarantees, or compounding interest. The company serves Amazon sellers, Shopify-based D2C brands, and online retailers generating $10K+ in monthly revenue, with five core products: Daily Payouts (Amazon-specific daily settlement advance up to 80% of net sales), Amazon Seller Funding (quick store-connected funding for Amazon sellers), Fixed Term Loans ($10K–$2M with predictable monthly fees), Line of Credit (revolving facility with APRs from 10.99%), and Cash Advance (revenue-share repayment model).
Underlying the product suite is a cloud-based lending platform that connects directly to Amazon Seller Central, Shopify, and Stripe to perform automated underwriting and real-time revenue assessment. A proprietary Transaction Categorisation Model for eCommerce Lending analyses sales data to generate funding offers, with decisions typically delivered in 24–48 hours and an approval rate around 80%. The platform is FIPS 140-2 Level 3 certified with bank-level encryption. Distribution combines a self-serve web portal (product-led growth) with dedicated account managers for mid-market deals and a Partner API for B2B2B embedding.
The business model is asset-lite in origination but capital-intensive in deployment: Uncapped earns transaction-based fees (0.7%–1.5% per month on term loans, 5%–25% revenue share on cash advances), usage-based interest on the line of credit, and daily fees on Daily Payouts. The company has raised an $80M equity round led by Lakestar (2021) plus a £200M debt facility from Fortress Investment Group (2023), supporting operations across the UK, US, Germany, Spain, and Poland with a 51–100 person team and 1,000+ funded founders to date.
Uncapped firmographics
Firmographics- Name
- Uncapped
- Legal name
- Uncapped Ltd.
- Website
- https://weareuncapped.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Uncapped is a London-based fintech founded in 2019 that provides revenue-based financing ($10K–$5M) to eCommerce founders and D2C brands without equity dilution. Its platform connects to Amazon, Shopify, and Stripe for automated underwriting, serving 1,000+ businesses across the UK, US, and EU.
- Ownership category
- akta.pro rank
Uncapped industry classification
Industry- Product category
- Alternative Lending / Revenue-Based Financing
- NAICS
- Sales Financing (522220)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
- akta.pro secondary industries
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)
Keywords
Where Uncapped is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Uncapped business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Term Loan Fees: Fixed fee lending product where customers pay a flat percentage fee upfront (0.7%-1.5% per month). No compounding interest. Minimum 2-month term, maximum 24 months. Fee known upfront before acceptance.
- Line of Credit Interest: Revolving credit facility charging simple fixed APR (starting at 10.99%). Customers only pay interest on drawn amounts. No hidden fees, no prepayment penalties.
- Cash Advance Revenue Share: Upfront cash with fixed fee repaid as percentage of daily sales (typically 5%-25%). Flexible repayments that flex with revenue - if sales are zero, repayments are zero. No fixed term length.
- Daily Payouts Fees: Daily advance product for Amazon sellers providing up to 80% of daily sales immediately. Simple daily fee up to 0.3%. Auto-settled when Amazon clears.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Term Loans from $10K-$2M with fixed monthly fees |
| Usage-based | Pay-as-you-go | Line of Credit with revolving access up to $500K+ |
| Transaction based/ take rate | Pay-as-you-go | Cash Advance from $10K-$100K with revenue-based repayment |
| Usage-based | Pay-as-you-go | Daily Payouts for Amazon sellers - up to 80% of daily sales |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Uncapped product offering
Product offeringCore offering
Uncapped is a fintech lending platform that provides revenue-based financing and working capital to eCommerce founders and digital businesses without requiring equity dilution, personal guarantees, or warrants. It offers five funding products — Daily Payouts, Amazon Seller Funding, Fixed Term Loans, Line of Credit, and Cash Advance — ranging from $10K to $5M, with automated underwriting that connects directly to sales platforms (Amazon, Shopify, Stripe) for real-time decisioning within 24-48 hours.
Product overview
Uncapped is a working capital financing platform offering five distinct funding products: Daily Payouts (Amazon-specific daily advance), Amazon Seller Funding (store-connected quick funding), Fixed Term Loans (predictable lump sum with fixed fees), Line of Credit (revolving credit facility), and Cash Advance (revenue-share model with flexible repayments). The platform also provides Partner API and Referral solutions for businesses to offer capital to their clients. All products emphasize no equity dilution, no personal guarantees, and fees based on business performance rather than founder credit. The platform connects with Amazon Seller Central, Stripe, and Shopify for business verification and offers funding from $10K to $2M+ depending on revenue and growth metrics.
Differentiator
Problem solved
Functional benefit
Products and services
- Daily Payouts A daily payout solution for Amazon sellers providing up to 80% advance on daily net sales, auto-settled when Amazon clears, with a simple daily fee up to 0.3%. Sellers can turn the product on or off as cash flow needs change.
- Amazon Seller Funding Funding solution for Amazon sellers connecting directly to Amazon Seller Central. Provides $10K to $2M based on store performance with decisions in under 24 hours, no document requirements, and approximately 80% approval rates.
- Fixed Term Loans Fixed lump sum loans with predictable weekly, bi-weekly, or monthly repayments. Loans range from $10K to $2M with fees as low as 0.8% per month. Designed for brands with $100K+ monthly revenue needing capital for inventory, ads, or expansion without giving up equity.
- Line of Credit A revolving credit facility allowing businesses to draw funds as needed, repay, and draw again. Only pay interest on what is drawn, with simple fixed APR starting at 10.99% and no early repayment fees. Available to profitable 7-figure sellers with 2+ years trading history.
- Cash Advance Revenue-based funding with flexible repayments that flex with sales. Borrowers receive funds upfront with a fixed fee and repay as a percentage of daily sales (typically 5%-25%). If revenue drops to zero, repayments pause. Advances range from $10K to $100K.
- Partner API and Referral Solutions API and referral solutions for partners to offer Uncapped's capital products to their own client bases, with developer tools to integrate funding capabilities into partner platforms and earn referral fees for referred businesses.
Quantifiable outcome
- Funded over 1,000 founders across multiple sectors
- +4 more outcomes
Companies that use Uncapped
Customer profileNamed customers23 records
Segments3 records
Ideal customer profiles3 records
Uncapped technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
Uncapped partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- AmazoncoreIntegration partner for Daily Payouts product. Uncapped connects to Amazon seller accounts to provide daily advances based on sales, with Amazon settlements processed via ACH. The product advances up to 80% of locked Amazon balance daily.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Uncapped competitors and assessment
Company assessmentDirect peers
- Wayflyer: Provides revenue-based financing to eCommerce and DTC brands, the same core use case as Uncapped. Wayflyer advances working capital against sales data from Shopify, Amazon, and other platforms, with repayments tied to a share of revenue.
- Clearco: Revenue-based financing provider focused on eCommerce and SaaS founders, offering non-dilutive growth capital repaid as a percentage of revenue. Closely comparable product set, customer profile, and value proposition to Uncapped.
- Liberis: Embedded finance platform offering revenue-based financing to small businesses, often distributed via partners and platforms. Comparable in offering non-dilutive working capital to SMBs with flexible, revenue-linked repayment terms.
- Outfund: UK- and Europe-based revenue-based financing provider for digital brands and eCommerce businesses. Directly comparable geography, customer segment, and product (non-dilutive growth capital repaid from revenue).
- Capchase: Provides revenue-based financing to SaaS and recurring-revenue businesses. Comparable model (non-dilutive advance repaid from revenue) with a partial overlap on Uncapped's SaaS-adjacent customers (e.g., Acuity Trading, Brand24, Florence).
Broad incumbents
- Stripe Capital: Embedded working-capital product offered to Stripe merchants, providing advances repaid as a percentage of sales. Direct functional competitor for Uncapped's Stripe-integrated SMB customers, with Stripe's scale and balance sheet as a structural cost-of-capital advantage.
- PayPal Working Capital: PayPal's merchant cash advance product, repaid automatically from a percentage of PayPal sales. Competes for the same eCommerce SMB working-capital wallet with the advantage of PayPal's payment-rail integration.
- Amazon Lending: Amazon's invite-only working-capital program for third-party sellers on its marketplace, offering advances repaid from sales. Directly competitive with Uncapped's Amazon Seller Funding and Daily Payouts products on Amazon's own platform.
Emerging players
- Pipe: Platform that allows SaaS and subscription businesses to convert recurring revenue into upfront capital. Adjacent revenue-share financing model with partial overlap on Uncapped's SaaS customers.
Regional players
- Funding Circle: UK-founded SMB lending marketplace offering term loans and lines of credit to small businesses. Comparable in providing non-dilutive working capital to SMBs, with a UK/European footprint that overlaps Uncapped's core geographies.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Uncapped social profiles
Digital presenceUncapped financial estimates
Financial estimateRevenue estimate
Valuation estimate
Uncapped leadership team
Management profileNumber of profiles
Profiles5 records
Uncapped funding detail
Funding detailFunding overview
Funding rounds6 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Uncapped M&A and investment
M&A and investmentM&A1 record
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Uncapped
What does Uncapped do?
Uncapped is a fintech lending platform that provides revenue-based financing and working capital to eCommerce founders and digital businesses without requiring equity dilution, personal guarantees, or warrants. It offers five funding products — Daily Payouts, Amazon Seller Funding, Fixed Term Loans, Line of Credit, and Cash Advance — ranging from $10K to $5M, with automated underwriting that connects directly to sales platforms (Amazon, Shopify, Stripe) for real-time decisioning within 24-48 hours.
Is Uncapped a public or private company?
Uncapped is a private company. It is classified as venture growth investor backed and is currently operating.
When was Uncapped founded?
Uncapped was founded in 2019. It employs 51 to 100 people.
Where is Uncapped based?
Uncapped is headquartered in London, United Kingdom, in the Europe region.
How does Uncapped make money?
Four revenue lines are on record. Term Loan Fees are the primary driver. The others are line of Credit Interest, cash Advance Revenue Share and daily Payouts Fees.
Who are Uncapped's main competitors?
Direct peers on record are Wayflyer, Clearco, Liberis, Outfund and Capchase. Broad incumbents are Stripe Capital, PayPal Working Capital and Amazon Lending. Pipe is listed as an emerging player. Funding Circle is listed as a regional player.
Does Uncapped have an API?
No public API is recorded for Uncapped.
What industry is Uncapped in?
Uncapped's product category is Alternative Lending / Revenue-Based Financing. Its primary akta.pro industry code is FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines), with a secondary code of FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets). Its NAICS code is 522220 and its SIC code is 6153.