# Uncapped

Source: https://businessloanbroker.ai/lenders/uncapped/
Site: BusinessLoanBroker.ai (powered by Levr)

> Uncapped funds ecommerce and Amazon brands in the UK, US and Canada with term loans, lines and cash advances from $10,000 to $10 million, no guarantees.

Uncapped is a London based fintech that provides growth capital to online brands without taking equity. It funds ecommerce, direct to consumer and Amazon seller businesses in the UK, US and Canada with term loans, lines of credit and cash advances from $10,000 to $10 million, unsecured and with no personal guarantee.

## Key facts
- **Products:** Business term loan, business line of credit, merchant cash advance
- **Funding range:** $10,000 to $10,000,000
- **Repayment:** Fixed fee term loans over two to 24 months, a revolving line recalculated every 14 days, or a revenue share cash advance
- **Security:** Unsecured, no personal guarantees
- **Operates in:** United Kingdom, United States and Canada
- **Industries:** Ecommerce, direct to consumer retail and Amazon sellers; excludes offline only businesses and sole traders
- **Founded and headquarters:** 2019, London, United Kingdom

## What does Uncapped offer?

Uncapped offers three structures. A fixed fee [term loan](https://businessloanbroker.ai/business-loans/term-loans/) over two to 24 months, where the cost is a set fee rather than interest. A revolving line of credit whose limit is recalculated every 14 days from your sales data. And a [cash advance](https://businessloanbroker.ai/business-loans/merchant-cash-advance/) repaid as a share of revenue. Amounts run from $10,000 to $10 million, all unsecured with no personal guarantee. Its website is weareuncapped.com, and it is backed by investors including Lakestar, Seedcamp and Mouro Capital.

## Who does Uncapped fund, and who do they decline?

Uncapped funds high growth ecommerce, direct to consumer and Amazon seller brands in the UK, US and Canada. Its published guidance is monthly revenue generally above $100,000, and it connects to your store, ad and bank data to size the offer.

Its published exclusions are offline only businesses and sole traders, so a physical store without online sales or an unincorporated seller will not qualify. Beyond that it does not publish decline criteria. A smaller online brand should compare [Wayflyer](https://businessloanbroker.ai/lenders/wayflyer/), which publishes a $10,000 monthly sales guidance, and our [ecommerce financing](https://businessloanbroker.ai/industries/ecommerce/) page covers the full set of options.

## What does it typically cost and how fast is it?

Uncapped does not publish rates or fees; pricing is quoted per file as a fixed fee on the term loan and advance. A fixed fee over a short term can be a high annual rate, so convert it with our [APR versus factor rate](https://businessloanbroker.ai/guides/apr-vs-factor-rate/) guide and compare with the typical range on our [revenue based financing](https://businessloanbroker.ai/business-loans/revenue-based-financing/) page. The line's limit moves with your sales every 14 days, which helps in a growth phase and shrinks in a slow one. Funding speed and capital deployed are not published.

## What will you need to apply?

Expect to connect your store platform, Amazon seller account, payment processor, ad accounts and business bank account, and to provide incorporation documents and director or owner ID. Our [document checklist](https://businessloanbroker.ai/guides/document-checklist/) covers the standard set if you prefer to upload documents once.

## How does Uncapped compare with similar lenders?

[Clearco](https://businessloanbroker.ai/lenders/clearco/) funds US incorporated ecommerce and SaaS brands above $100,000 a month with capped weekly payments over four to six months and no personal guarantee. [Wayflyer](https://businessloanbroker.ai/lenders/wayflyer/) funds consumer brands from $5,000 to $20 million on a flat fee with three to nine month remittance, across the US, UK and Australia. Uncapped's distinct features are the 24 month term option and the line recalculated every two weeks, and it is the only one of the three that lists Canada and the UK together.

## How to apply

Apply once on this site and matching shows whether Uncapped, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our [MCP server](https://businessloanbroker.ai/agents/). A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.

| Lender | Products | Funding range | Operates in | Best suited for |
|---|---|---|---|---|
| Uncapped | Term loan, line of credit, cash advance | $10,000 to $10,000,000 | UK, United States, Canada | High growth ecommerce and Amazon brands, generally above $100,000 monthly revenue |
| Clearco | Revenue based financing, cash advance, invoice funding | Sized to revenue; $100,000 monthly minimum | US incorporated businesses | Fast growing US DTC ecommerce and SaaS brands with 12 plus months trading |
| Wayflyer | Cash advance, revenue based financing, term loan | $5,000 to $20,000,000 | 11 countries; loans in US, UK, Australia | Fast growing consumer and ecommerce brands above $10,000 monthly sales |

## Questions and answers
**Is there a personal guarantee with Uncapped?**

No. Uncapped publishes that its financing is unsecured with no personal guarantees.

**Who does Uncapped exclude?**

Offline only businesses and sole traders, as published. It funds online brands that are incorporated and have digital sales data to underwrite.

**How does the revolving line work?**

The limit is recalculated every 14 days from your sales data, so it grows as revenue grows and contracts in slower periods. Draws are repaid on the agreed schedule.

## Related
- [Clearco](https://businessloanbroker.ai/lenders/clearco/)
- [Wayflyer](https://businessloanbroker.ai/lenders/wayflyer/)
- [Revenue based financing](https://businessloanbroker.ai/business-loans/revenue-based-financing/)
- [Ecommerce business loans](https://businessloanbroker.ai/industries/ecommerce/)

## Apply
Apply for the business: https://apply.businessloanbroker.ai/signup?utm_source=direct&utm_medium=organic&utm_content=md-lender-uncapped
MCP server for AI agents: https://mcp.businessloanbroker.ai/mcp (docs: https://businessloanbroker.ai/agents/mcp/)