Uncapped is a business finance provider operating as a direct lender to support growing businesses across various digital sectors. The firm focuses on providing non-equity growth capital to founders, allowing companies to secure funding without surrendering ownership or equity in their enterprise.
Business Finance Products Provided by Uncapped
Uncapped offers two main business finance facilities directly to commercial clients: business loans and revolving credit or lines of credit. It also does Amazon Seller finance and Merchant Cash Advance like products. While Uncapped was historically recognised as a European pioneer in revenue-based finance, its core product range has shifted toward fixed-term loans and flexible line of credit facilities.
Through its Business Loans, Uncapped delivers capital structured over set terms to help businesses invest in inventory, marketing campaigns, or international expansion. The revolving credit line option allows trading businesses to draw down capital, make repayments, and re-draw funds as required to balance working capital requirements.
Who Uncapped Suits and Core Specialisms
Uncapped specialises in growth capital for SaaS (Software as a Service) and e-commerce businesses. Its funding model is specifically designed for high-growth digital companies that demonstrate recurring revenue streams or strong online sales performance.
Traditional lenders often require physical assets for security, but Uncapped focuses on digital-first business models. Digital enterprises that rely on subscription revenue or online sales channels often fit the profile required by Uncapped.
Eligibility Criteria and Funding Limits
When assessing options with Uncapped, business owners should consider the firm's specific eligibility rules and transaction limits:
Minimum Deal Size: £100,000
Maximum Deal Size: £2,000,000
Sole Traders: Uncapped does not fund sole traders.
Target Audience: High-growth digital companies with recurring revenue or strong online sales.
FCA Registration: Uncapped holds FCA firm reference number 917236.
Companies House Number: Registered under Companies House number 12258266.
Uncapped does not publish standard interest rates or fee schedules publicly. Because pricing varies per applicant, interested business owners must complete an evaluation to receive precise terms, but the website does show example fees of 5%.
Uncapped Summary and Key Facts
Feature | Provider Details |
|---|---|
Provider Type | Lender |
Products Offered | Business loans; Revolving credit / line of credit. Amazon Seller Finance with daily payment option. |
Specialisms | SaaS & E-commerce Growth Capital |
Minimum Funding | £100,000 |
Maximum Funding | £2,000,000 |
Sole Traders Accepted | Not known |
Access Methods | Direct, Intermediary, Partners |
FCA Reference Number | 917236 |
Companies House Number | 12258266 |
How to Access Uncapped Funding
Uncapped products can be accessed directly, via financial intermediaries, or through authorized partners. Applicants who wish to apply directly can visit the lender's official website at https://weareuncapped.com/. Alternative application routes include working through commercial finance brokers and partner networks who can help facilitate the introduction and submission process.
Compare Uncapped with Other Lenders via SME Money
Choosing the right commercial funding arrangement depends on your specific sector, growth trajectory, and financial profile. While Uncapped offers specialist products for e-commerce and SaaS companies, comparing multiple lenders helps ensure you find the most suitable commercial terms. SME Money connects UK businesses with specialist brokers who search over 70 lenders to find the right funding without the bias of a single bank.