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Uncapped Small Business Loans: 2025 Review

Updated Nov 27, 2024

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4.1
Rating: 4.1 stars out of 5
Bankrate Score
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Accessibility
Rating: 4.2 stars out of 5
Affordability
Rating: 3.9 stars out of 5
Customer experience
Rating: 4.1 stars out of 5
Transparency
Rating: 4.4 stars out of 5
Flexibility
Rating: 3.7 stars out of 5
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Overview

Lender Details

  • Money Bag Icon

    Loan amount

    $10,000-$10 million

  • Rates Icon

    Interest rate

    N/A

  • Clock Wait Icon

    Term lengths

    6-24 months

  • Dollar Icon

    Min. annual revenue

    $600,000

  • Briefcase Icon

    Min. time in business

    6 months

Pros

  • Checkmark Icon

    High loan amounts

  • Checkmark Icon

    Welcomes new businesses

  • Checkmark Icon

    No personal guarantees

Cons

  • Internet businesses only

  • High revenue required

  • Aggressive repayment schedule

Rating: 4.1 stars out of 5
4.1

Bankrate Score

  • Loan amount

    $10,000-$10 million

  • Interest rate

    N/A

  • Term lengths

    6-24 months

  • Min. time in business

    6 months

  • Min. business annual revenue

    $600,000

Rating: 4.6 stars out of 5
4.6

Bankrate Score

  • Loan amount

    $5,000-$10 million

  • Interest rate

    1.11 Factor rate

  • Term lengths

    3 months-10 years

  • Min. time in business

    6 months

  • Min. business annual revenue

    $180,000

Rating: 4.5 stars out of 5
4.5

Bankrate Score

  • Loan amount

    $5,000-$1.5 million

  • Interest rate

    Not stated

  • Term lengths

    Up to 18 months

  • Min. time in business

    6 months

  • Min. business annual revenue

    $240,000

Read our review

on Bankrate

Overall Score 4.1
Accessibility 4.2 While Uncapped loans are available to startups, businesses need high revenue and an online model to qualify.
Affordability 3.9 Its fee structure starts low. But it’s a one-time fee that you’ll pay whether or not you repay the loan early.
Transparency 4.4 It offers some details about how its loans work on its website.
Customer experience 4.1 You can apply online and manage your loan through an online account. But it lacks a customer support number.
Flexibility 3.7 It gets points for unique financing options, but repayments are aggressive.
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47
years in business
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30+
lenders reviewed
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22
loan features weighed
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770+
data points collected