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 APIs 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.

Uncapped’s developer surface includes authentication, documentation, getting-started guide, API reference, changelog, sandbox, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub

31.9/100 thin ▬ flat Agent 31/100 agent ready Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

1 APIs

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

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 31.9/100 · thin

Contract Quality 14.9 / 23

Developer Ergonomics 3.7 / 18

Access Clarity 0.0 / 18

Operational Transparency 4.0 / 12

Contract Governance 0.5 / 11

Discoverability 6.2 / 9

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 31/100 · 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

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.

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 github.com/api-evangelist/uncapped: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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 6

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

API Collection

OPEN COLLECTION

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

Event Specifications 1

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

Uncapped Webhooks

ASYNCAPI

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 1

The organization behind the API

Website

Website

Other 1

Properties that don't map to a standard resource type

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: '2026-09-03'
  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: '2026-07-21'
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:
- 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

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