Uncapped

Uncapped provides working capital to online businesses, offering revenue-based financing products including merchant cash advances (MCA), term loans, and lines of credit (LOC). Through the Uncapped Partners API, platforms and marketplaces can embed business funding directly into their product without taking on origination, compliance, or servicing - submitting anonymised applicant performance data, generating pre-offer estimations, displaying ready-to-use funding Signals in their UI, and reacting to application and estimation lifecycle events via webhooks.

Uncapped publishes 5 API contracts indexed on the APIs.io network, including Applicants API, Applications API, Authentication API, and 2 more. Tagged areas include Company, Fintech, Lending, Embedded Finance, and Revenue-Based Financing.

The Uncapped catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Uncapped’s developer surface includes engineering blog, authentication, documentation, getting-started guide, API reference, changelog, sandbox, and 17 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

32.6/100 thin ▬ flat Agent 33/100 agent ready Front door AI 1/6 silent Heartbeat 0/100 dormant Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 3 Agent Skills

Company Fintech Lending Embedded Finance Revenue-Based Financing Working Capital E-Commerce

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Developer Platform & API Ecosystem Management

BC-4270

Webhook Subscriptions

POST /webhooks/subscriptions DELETE /webhooks/subscriptions/{eventType}

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 32.6/100 · thin

Contract Quality 11.4 / 19

Developer Ergonomics 3.5 / 15

Access Clarity 0.0 / 15

Operational Transparency 3.3 / 10

Contract Governance 1.6 / 9

Discoverability 5.0 / 8

Regulatory Posture 2.5 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 33/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 0.0 — up to +20.0 composite points
Developer Ergonomics scores 23.2 — up to +15.4 composite points
Contract Quality scores 60.8 — up to +9.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/uncapped/apis.yml: open an issue on github.com/api-evangelist/uncapped to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
MACH & Headless Commerce	builds-on	34.5 (thin)	-	-
Consumer Lending Licensing (UK, US, Canada credit licence registers)	builds-on	34.5 (thin)	-	-
Amazon Seller Ecosystem (Selling Partner Appstore, Amazon Ads partners)	builds-on	34.5 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 5

Individual APIs this provider publishes, each with its own machine-readable definition.

Uncapped Applicants API

Applicant API for external access

Uncapped Applications API

Application API for external access

Uncapped Authentication API

Authentication API for external access

Uncapped Estimations API

Estimations API for external access

Uncapped Webhook Subscriptions API

Webhook Subscriptions API for external access

Open Collections 5

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

api-partners Applicants API

OPEN COLLECTION

api-partners Applicants Applications API

OPEN COLLECTION

api-partners Applicants Authentication API

OPEN COLLECTION

api-partners Applicants Estimations API

OPEN COLLECTION

api-partners Applicants Webhook Subscriptions API

OPEN COLLECTION

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Pre-load Signals for a cohort with batch estimations and webhooks

AGENT SKILL

Generate a pre-offer estimation and display funding Signals

AGENT SKILL

Track funding applications end to end

AGENT SKILL

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Uncapped

SLA

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Uncapped Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Uncapped API Rules

61 rules · 57 errors 2 warnings 2 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Uncapped Partners Overlay

4 actions · security · uncapped-partners-openapi-original.json

DERIVED

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Uncapped Authentication

http · 1 scheme

SECURITY

Uncapped Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Uncapped Agentic Access

14 operations · 9 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Webhooks

ErrorCatalog

Conventions

Lifecycle

Conformance

DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

StatusPage

StatusPage

Company 2

The organization behind the API

Blog

Blog

Website

Website

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: uncapped
name: Uncapped
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 20
  pass: local-v1
description: Uncapped provides working capital to online businesses, offering revenue-based financing products including merchant
  cash advances (MCA), term loans, and lines of credit (LOC). Through the Uncapped Partners API, platforms and marketplaces
  can embed business funding directly into their product without taking on origination, compliance, or servicing - submitting
  anonymised applicant performance data, generating pre-offer estimations, displaying ready-to-use funding Signals in their
  UI, and reacting to application and estimation lifecycle events via webhooks.
url: https://raw.githubusercontent.com/api-evangelist/uncapped/refs/heads/main/apis.yml
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: true
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://developers.weareuncapped.com/apple-touch-icon.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- seedcamp
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
tags:
- Company
- Fintech
- Lending
- Embedded Finance
- Revenue-Based Financing
- Working Capital
- E-Commerce
tags_raw:
- Company
- Fintech
- Lending
- Embedded Finance
- Revenue-Based Financing
- Working Capital
- eCommerce
apis:
- aid: uncapped:uncapped-applicants-api
  name: Uncapped Applicants API
  description: Applicant API for external access
  humanURL: https://developers.weareuncapped.com/api-reference
  baseURL: https://portal.weareuncapped.com/api/partners
  tags:
  - Applicants
  properties:
  - type: OpenAPI
    url: openapi/uncapped-applicants-api-openapi.yml
  - type: APIReference
    url: https://developers.weareuncapped.com/api-reference
- aid: uncapped:uncapped-applications-api
  name: Uncapped Applications API
  description: Application API for external access
  humanURL: https://developers.weareuncapped.com/api-reference
  baseURL: https://portal.weareuncapped.com/api/partners
  tags:
  - Application
  tags_raw:
  - Applications
  properties:
  - type: OpenAPI
    url: openapi/uncapped-applications-api-openapi.yml
  - type: APIReference
    url: https://developers.weareuncapped.com/api-reference
- aid: uncapped:uncapped-authentication-api
  name: Uncapped Authentication API
  description: Authentication API for external access
  humanURL: https://developers.weareuncapped.com/api-reference
  baseURL: https://portal.weareuncapped.com/api/partners
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/uncapped-authentication-api-openapi.yml
  - type: APIReference
    url: https://developers.weareuncapped.com/api-reference
- aid: uncapped:uncapped-estimations-api
  name: Uncapped Estimations API
  description: Estimations API for external access
  humanURL: https://developers.weareuncapped.com/api-reference
  baseURL: https://portal.weareuncapped.com/api/partners
  tags:
  - Estimations
  properties:
  - type: OpenAPI
    url: openapi/uncapped-estimations-api-openapi.yml
  - type: APIReference
    url: https://developers.weareuncapped.com/api-reference
- aid: uncapped:uncapped-webhook-subscriptions-api
  name: Uncapped Webhook Subscriptions API
  description: Webhook Subscriptions API for external access
  humanURL: https://developers.weareuncapped.com/api-reference
  baseURL: https://portal.weareuncapped.com/api/partners
  tags:
  - Webhook Subscriptions
  properties:
  - type: OpenAPI
    url: openapi/uncapped-webhook-subscriptions-api-openapi.yml
  - type: APIReference
    url: https://developers.weareuncapped.com/api-reference
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- url: https://weareuncapped.com/blog
  type: Blog
- type: CapabilityMap
  url: capabilities/uncapped-capability-edges.yml
  name: Uncapped Business Capability Map
- type: Overlay
  url: overlays/uncapped-partners-overlay.yaml
- type: DomainSecurity
  url: security/uncapped-domain-security.yml
- type: AgenticAccess
  url: agentic-access/uncapped-agentic-access.yml
- type: Authentication
  url: authentication/uncapped-authentication.yml
- type: Website
  url: https://weareuncapped.com
- type: DeveloperPortal
  url: https://developers.weareuncapped.com
- type: Documentation
  url: https://developers.weareuncapped.com/guides
- type: GettingStarted
  url: https://developers.weareuncapped.com/guides
- type: APIReference
  url: https://developers.weareuncapped.com/api-reference
- type: ChangeLog
  url: changelog/uncapped-changelog.yml
- type: StatusPage
  url: https://status.weareuncapped.com
- type: GitHubOrganization
  url: https://github.com/weareuncapped-com
- type: Webhooks
  url: asyncapi/uncapped-webhooks.yml
- type: ErrorCatalog
  url: errors/uncapped-problem-types.yml
- type: Conventions
  url: conventions/uncapped-conventions.yml
- type: Lifecycle
  url: lifecycle/uncapped-lifecycle.yml
- type: Sandbox
  url: sandbox/uncapped-sandbox.yml
- type: Conformance
  url: conformance/uncapped-conformance.yml
- type: DataModel
  url: data-model/uncapped-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/uncapped-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/uncapped-llms.txt
- type: AgentSkill
  url: skills/_index.yml

Uncapped API — frequently asked questions

Does Uncapped have an API?

Yes. APIs.io lists 5 APIs from Uncapped, including Uncapped Applicants API, Uncapped Applications API and Uncapped Authentication API, and 2 more.

Is there an OpenAPI specification for the Uncapped API?

Yes. APIs.io indexes 5 OpenAPI specifications for Uncapped, each linked for download from this page.

How do I authenticate with the Uncapped API?

Uncapped uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Uncapped Authentication.

Is the Uncapped API ready for AI agents?

Uncapped has a Kin Score of 32.6 out of 100 (thin) and an Agent Readiness score of 32.8 (agent-ready), scored by API Evangelist on 2026-11-06.

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