Founderpath vs Uncapped
Founderpath offers receivables financing and term loans for software companies; Uncapped markets working capital for online businesses. Compare product eligibility, payment schedules and total payback, since a monthly flat fee and an annual receivables discount measure different things.
Key takeaways
- Uncapped states a term-loan fee from 0.7% per month on cash received (Uncapped FAQ, October 2026).
- Founderpath starts revenue financing at a 7% discount on receivables face value (Founderpath product page and workbook, October 2026).
- Founderpath term-loan interest starts at 15% annually (Founderpath term-loan page, October 2026).
TL;DR
Compare the product, then the price
The table summarizes what each provider publishes as of October 2026: Uncapped's FAQ and repayment guide, and Founderpath's revenue financing and term-loan pages, plus its financing guidance. Final terms come from your offer.
| Term | Uncapped term loan | Founderpath RPA | Founderpath term loan |
|---|---|---|---|
| Price basis | 0.7%-1.5% monthly flat fee, 1% stated average | From 7% annual discount on purchased receivables | From 15% annual interest on outstanding principal |
| Repayment term | 2-24 months; FAQ also states a 2% minimum base fee | 12-36 months per Founderpath product guidance | Up to 48 months; interest-only up to 24 months |
| Payments | Daily, weekly, monthly or every 15 days, per offer | Fixed monthly payments | Monthly, with interest-only periods if agreed |
| Timing | Offers in as little as 24 hours; confirm disbursement separately | Typically within 24 hours of acceptance after data connection | Most close within four weeks after data connection |
Uncapped's October 2026 FAQ also advertises a line of credit from 10.99% APR. Its cash advance uses a quoted fee and a sales-based repayment share; the stated 5%-25% share is a repayment rate, not the financing cost. Neither product is modeled below.
Confirm the threshold for your product
Uncapped
As of October 2026, its how-it-works page lists $100K monthly revenue, or $10K for Amazon sellers, and six months of trading. Its FAQ also lists $10K monthly revenue for broader eligibility. These statements conflict; the lower figure is not exclusively Amazon-specific. The same FAQ, checked October 12, 2026, says businesses must be based in the United Kingdom, United States or Canada. Confirm with Uncapped which criteria apply to your business model and country.
Founderpath
Our entry guidance states $10K MRR (about $120K ARR). As of October 2026, our product pages target roughly $1M-$3M ARR for revenue financing and $3M+ revenue for term loans, yet also display a generic $500K last-year-revenue threshold. These are not one consistent approval minimum. Confirm product eligibility; the pages say deals are available in most countries.
Founderpath's live funding data reports $280M wired across 759 funded deals.
Source updated October 15, 2026. Deals are not a count of unique founders.Monthly payments and total cost
Illustrations, not offers. Cash arrives at time zero; equal payments follow at each month-end. No extra fees or interest-only period. The amount control accepts $1-$10M for modeling only. Actual debit timing changes annualized cost.
As of October 12, 2026, Uncapped's FAQ states a 0.7%-1.5% monthly term-loan fee and 1% average. Founderpath's revenue financing starts at a 7% discount and its term loans at 15% annual interest. These starting prices do not establish the terms you qualify for.
Uncapped term loan
1.0% monthly flat fee, 12 months
- Monthly payment
- $28,000.00
- Total payback
- $336,000.00
- Financing cost
- $36,000.00
- Nominal annualized IRR
- 21.46%
Founderpath RPA
7% annual receivables discount, 12 months
- Monthly payment
- $26,881.72
- Total payback
- $322,580.65
- Financing cost
- $22,580.65
- Nominal annualized IRR
- 13.61%
Founderpath term loan
15% annual interest, 24 months
- Monthly payment
- $14,545.99
- Total payback
- $349,103.87
- Financing cost
- $49,103.87
- Nominal annualized IRR
- 15.00%
Founderpath advertises term loans from $500,000. This amount is below that minimum; the term-loan result is mathematical only.
The 12-month RPA has $13,419.35 less total payback than the 12-month Uncapped illustration.
The 24-month term loan has $13,454.01 lower monthly payments and $13,103.87 higher total payback than this Uncapped illustration. A lower monthly payment can cost more overall.
Method: Uncapped payback = cash × (1 + monthly fee × months). RPA payback = cash / (1 - annual discount × months / 12), following Founderpath's receivables workbook. The term loan uses monthly amortization. Nominal annualized IRR = monthly cash-flow IRR × 12; it is neither effective annual yield nor a regulatory APR. These are different financing structures.
Current SaaS eligibility is unconfirmed. As of October 2026, Uncapped's FAQ eligibility list names e-commerce brands, D2C retailers and Amazon sellers, while a regional page lists SaaS among eligible online models. The FAQ says businesses must be based in the United Kingdom, United States or Canada. Confirm directly with Uncapped. Source
No. Founderpath’s workbook applies the annual discount to the face value of purchased receivables. At $300,000 cash and a 7% annual discount for 12 months, total payback is $322,580.65, not $321,000. Source
No universal price conclusion follows from starting rates. Compare written offers using cash received, every fee, payment dates and total payback. A longer term can lower monthly payments while increasing total cost. Source
Uncapped states in its FAQ, checked October 12, 2026, that it does not take personal guarantees, equity, warrants or board seats. Confirm the provisions in your agreement. Source
Its October 2026 FAQ attaches the normal 1-2 business-day timing to line-of-credit draw requests. That is not a funding deadline for every product or a promise measured from initial application. Source
Still weighing your options?
Get your Founderpath offerThis is Founderpath's comparison. Current product statements are attributed to each provider, not independently verified contracts. Where public criteria conflict, we show the conflict. Calculator outputs are reproducible scenarios, not rankings or promises of savings.