Uncapped Amazon Lending Review: Pros, Cons, and Alternatives for Amazon Sellers
Overview
- Uncapped is a verified Amazon lending partner that offers funding through fixed-term loans and credit lines, ideal for established sellers with predictable sales and steady payout cycles
- CrediLinq provides a more accessible alternative — a revolving line of credit with a simple monthly service fee, open to sellers earning USD 100,000 and above annually and with at least three months of trading history.
Why this matters to you
- You want a verified Amazon partner to help you raise funding for your eCommerce store
- Confused about whether Uncapped presents a viable option for you, and what the pros and cons are if you pick them as your provider
- To make the best decision, you need a legitimate alternative to make a comparison to Uncapped
Uncapped is one of the 20+ approved funding and credit partners on Amazon Seller.
This matters because many sellers search Amazon Seller Central first, and if you are eligible, you may see an offer and a term loan option without leaving the Amazon ecosystem.
This guide breaks down how Uncapped works for Amazon sellers, what it costs, and when a flexible credit line platform like CrediLinq (also an Amazon-approved funding partner) is a better operating match.
What is Uncapped Amazon Lending
Uncapped capital loan funding (Source: Uncapped)
Uncapped is a verified Amazon working capital provider that is active for sellers in:
- The United States (excluding CA, NV, ND, SD, VT)
- The United Kingdom
- Several European Union countries, including Germany, the Netherlands, Spain, and Poland
Uncapped product offers and repayment
Uncapped provides two main financing options for online sellers:
- Fixed-term loans: The cost structure is on a fixed schedule (daily, weekly or monthly) and is built around a flat base fee ranging from 0.7% to 1.5% per month with tenor of 2 to 24 months.
For example, a two-month term may carry a base fee of roughly 2% and a six-month term about 6%, assuming the fee is at the low end of the range. - Line of Credit (LoC): The line of credit offer is charged at a fixed APR starting as low as 10.99%.
When drawing credit, you have access to funds up to the available limit you received, although repayments are made every 14 days and calculated as a percentage of your outstanding balance.
Uncapped’s financing limits vary from seller to seller, as it depends on your Monthly Recurring Revenue (MRR), with Amazon sellers receiving up to 1 to 1.15 times your MRR. Offers can range up to USD 10 million.
How you can access Uncapped offers
You can apply directly on Uncapped’s website, via the Amazon Selling Partner Appstore or get pre-qualified through Amazon’s lending program.
It starts with a quick three-minute eligibility survey on their homepage to see if you qualify. Once you are considered eligible, you may receive a funding decision within 24 hours. For lines of credit, funds are typically released within 1 to 2 business days.
Eligibility requirements for Uncapped
- To be considered for the term loan, your business should generate at least USD 100K in monthly revenue (or USD 10K+ for Amazon sellers)
- Only registered limited companies with at least six months of trading history are eligible for term loans
- For its line of credit offer, you must be a 7-figure seller (minimum of EUR 1 million) and have at least two years of trading history
- Uncapped primarily supports eCommerce and online retail businesses, though offline sales can count if verifiable data is provided (Uncapped connects to Stripe, PayPal, and QuickBooks for revenue and accounting data)
- Sole traders are not supported, as Uncapped lends to incorporated entities only
Applications are sometimes declined if revenue falls short or if overall financial health and obligations suggest elevated risk. You can reapply after 60 days once business performance improves.
Pros of Uncapped for Amazon business owners
- Repayment flexibility to choose between daily, weekly, or monthly instalment options
- Flat fees disclosed from the start and often lower than MCA or equity-based alternatives
- Eligibility for term loans begins after just six months of trading, making it open to younger brands that need early capital support
Cons of Uncapped for Amazon business owners
- Frequent fixed instalments for term loans can strain cash flow before Amazon payouts arrive
- The entry bar for its line of credit offer favours sellers with steady and high-volume sales, leaving most stores at a disadvantage
Despite these limitations, Uncapped remains relevant to Amazon sellers through its role as an approved partner in the Amazon Lending Program.
Amazon Lending Program for Sellers
Amazon Lending Program (Source: Amazon)
Amazon Lending is the natural first stop for many sellers because of signal and speed.
The program offers loans to pre-qualified sellers inside Amazon Seller Central. Evaluation leans on real store signals (sales history, account health, returns) and decisions often land within one to two business days.
Amazon offers financing through term loans, Merchant Cash Advances (MCA), and Business Lines of Credit (BLoCs) via third-party providers with a streamlined flow inside Seller Central. But the trade-off with this is access.
Amazon Lending still remains invite-only; even strong sellers on the platform without an invite may still see no offer, even at critical moments.
You can also explore Amazon-verified funding partners listed in the Amazon Seller Appstore or go fully off-platform with independent lenders.
Other Alternatives to Uncapped
1. CrediLinq
CrediLinq is an approved Amazon lending partner in 16 markets. Instead of fixed-term loans, CrediLinq provides Amazon sellers with a revolving line of credit, on demand, that can be used at any stage of their eCommerce cycle.
Sellers can draw any amount of funds for use as needed, within the limit offered. Pricing is a single, transparent monthly service fee as low as 1.5% applied only to drawn funds with no compounding interest, revenue share, or equity required.
2. Wayflyer
Wayflyer – Capital Funding for eCommerce Sellers (Source: Wayflyer)
Wayflyer offers revenue-based financing and short-term growth capital for eCommerce brands via cash advances or term-loan style facilities.
Wayflyer levies a single fixed fee on the funded amount, typically between 5% and 10% of the advance. The fee is applied upfront and does not compound so you know the total cost of capital immediately.
Let us see how these alternatives compare to Uncapped.
CrediLinq vs Uncapped vs Wayflyer: A Comparison
Why CrediLinq Could Be a Better Fit for Many Amazon Sellers
With CrediLinq’s revolving line of credit, you draw only what you need, when you need it, and you only pay the single monthly service fee on drawn funds.
The fee is transparent from the get-go, and there are no compounding interests or layered add-ons. This makes it easy for you to model cash flow, factor it into landed costs, and decide whether the cycle is profitable.
CrediLinq allows you to apply online in minutes, just by:
- Signing up with your email address and phone number, and authenticating ownership with an OTP verification
- Provide your company’s basic information, like business name and registration number
- Connect your Amazon store data (plus connect other platforms such as TikTok Shop, eBay and Lazada or upload store data for Shopify and Shopee sellers to evaluate your sales performance.
Basic KYC still applies (business registration, tax ID, shareholder or director ID and address), and additional documents may be requested in some cases.
With CrediLinq, you can get up to USD 2 million, and funds arrive in the currency you use (USD, GBP, AUD, SGD, or HKD), so you can use them directly without incurring exchange conversion fees.
You also do not have to deal with the “Amazon-only” constraint, as one credit line can fund growth across multiple marketplace channels (Shopify, eBay, TikTok Shop, Shopee, and Lazada).
Beyond that, CrediLinq is built for cross-border sellers operating across Western and Eastern markets. You can easily fund supplier payments in Asia while managing campaigns or fulfillment in the United States, United Kingdom, or Australia, all under one revolving credit line.
Amazon sellers get lower eligibility and higher accessibility with CrediLinq
While Uncapped’s fixed-term loan repayments via daily or weekly debits work well for sellers with consistent cash flow, eCommerce revenue rarely stays that even.
Uncapped also offers a revolving line of credit for merchants who prefer flexibility, but its entry bar is:
These requirements place it well beyond the reach of many growing Amazon sellers.
CrediLinq lowers that barrier significantly by offering sellers with a minimum annual revenue of USD 100 K+ and 3 months of trading history qualification for a revolving credit line.
It also provides 60, 90, and 120-day repayment options that align more naturally with supplier lead times and Amazon payout schedules. This may serve better in comparison to Uncapped’s 14-day repayment cycles for its line of credit, which can compress cash flow for sellers managing longer sales or replenishment cycles.
This means you are not locked into weekly debits when your payouts arrive monthly, nor do you overpay for a full-term loan when a 45-day cycle will do. |
Use cases that benefit CrediLinq users most:
- Launching or scaling a new SKU where you want two staged draws (deposit now, balance at shipment).
- Funding ads and inventory in the same 60-day window without weekly repayment stress.
- Running multi-SKU replenishments where draw size and timing change week by week.
Choose: Uncapped or CrediLinq
Both Uncapped and CrediLinq understand what Amazon sellers need most, which is fast access to capital without the red tape of a bank.
Uncapped term loans suit sellers with steady weekly payouts and a predictable sales rhythm. The bar to qualify, however, is high: sellers typically need around EUR 1 million in annual revenue and at least two years of trading history to access its line of credit.
CrediLinq was designed for the next wave of growth-stage sellers who have traction but not yet that scale.
It opens funding access to businesses with USD 100 K+ in annual revenue and just three months of selling history, offering a revolving line of credit that grows with your performance.
Get funded today with CrediLinq to compete, scale, and stay in business on Amazon without worrying about cash flow.
Final Takeaways
- Invite-only funding with Amazon is not a plan. When Amazon Lending is unavailable, have a multi-marketplace option ready that respects 30, 60, and 90-day working capital cycles.
- Uncapped sets a high bar that can leave growth-stage sellers waiting. With requirements for its line of credit starting around EUR 1 million in annual revenue and two years of trading. Newer or fast-growing sellers may find that bar difficult to reach just when they need liquidity the most.
- CrediLinq extends funding access to both the next generation of sellers and established eCommerce business founders. CrediLinq supports Amazon and multi-marketplace businesses earning USD 100 K+ annually with just three months of selling history.
CrediLinq’s funding spans Western and Eastern markets such as the United States, the United Kingdom, Australia, Singapore, and Hong Kong.
Its transparent single-fee structure, flexible 30–90-day repayment windows, and cross-platform eligibility make it the practical choice for sellers who want capital that grows with them and not ahead of them.
Frequently Asked Questions
What is Uncapped Amazon Lending?
Uncapped is a verified funding provider available through both the Amazon Lending program and the Amazon Lending Partner Appstore. It offers fixed-term financing and a line of credit with a flat base fee and no personal guarantees.
How much can I borrow with Uncapped?
You can borrow up to USD 10 million, but actual offers depend on revenue, margins, geography, and product type.
Does Uncapped offer early repayment discounts?
Base-fee structures typically fix the total cost at the start, so paying early usually does not reduce the fee.
There are no early-repayment penalties, but every term loan carries a minimum two-month lock-in period, meaning the full agreed fee still applies even if you repay before that time. Confirm your exact terms in your agreement before you accept.
