Uncapped Review & Pricing (2026)

Uncapped

Funding & Payments

Uncapped is a working capital provider for online businesses, offering four distinct products: fixed-fee term loans, a revolving line of credit priced on APR, a revenue-share cash advance, and Daily Payouts, which advances a portion of Amazon net sales daily rather than waiting for Amazon's settlement cycle. The company states it takes no equity, no board seats, and no personal guarantees, and that applying does not affect a personal credit score.

Uncapped is listed on Amazon's own Amazon Lending page as a third-party provider for both term loans and lines of credit, and repayments on those products can be deducted automatically from Amazon disbursements. Eligibility is limited to limited companies based in the United Kingdom, United States, or Canada with at least six months of trading history. Published minimum revenue figures differ between pages and products, so applicants should confirm the current threshold for the product they want.

Capabilities
Fixed Term Loans
Lump sum repaid on a set schedule for a fixed monthly fee, with terms up to 24 months.
Line of Credit
Revolving facility with a fixed APR where interest accrues only on the drawn balance.
Cash Advance
Repaid as an agreed percentage of gross revenue with no fixed term.
Daily Payouts
Advances up to 80% of net Amazon sales daily for a stated daily fee of up to 0.3%.
Amazon Automated Repayment
Deducts amounts due from Amazon disbursements before the seller is paid.
Amazon Payout Sync
Aligns repayment dates to Amazon disbursement dates when requested during application.
Growing Credit Limit
Increases available limits as sales grow without requiring a new application.
Dedicated Funding Manager
Assigns a named contact to each customer for the life of the facility.
Embedded Financing API
Partner-facing API with sandbox and webhooks for platforms offering funding to their own users.
Strengths
Publishes indicative pricing for all four products, including term loan fees from 0.7% per month and a line of credit APR from 10.99%.
Listed on Amazon's Amazon Lending page as a third-party provider for term loans and lines of credit.
States it takes no equity, no board seats, and no personal guarantees.
States that applying does not affect a personal credit score.
Allows line of credit balances to be repaid early with no prepayment fees.
Offers Daily Payouts with no minimum commitment and the ability to pause.
Connects to Shopify, Stripe, Amazon, and bank and tax software during application.
Considerations
Eligibility is limited to limited companies in the United Kingdom, United States, and Canada with at least six months of trading history.
Sole traders and offline-only businesses are not eligible according to the vendor.
Published minimum revenue and funding range figures differ across the vendor's pages and products.
The binding rate is set after underwriting, and figures shown in Seller Central are described by the vendor as estimates.
Cash advance fees are fixed upfront, so repaying early does not reduce the total cost.
The vendor states refunds, returns, and chargebacks do not reduce cash advance repayment amounts.
Rejected applicants are asked to wait 60 days before reapplying.
The application requires connecting sales platforms, bank accounts, tax software, and photo identity verification.
Pricing
Term loan fees from 0.7% per month
Free to apply; applying does not affect personal credit score
Visit website
CategoryFunding & Payments
TypeHybrid
Pricing modelCustom quote
MarketplacesAmazon, Shopify, Stripe
Best forUK, US and Canada limited companies selling online

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