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Your financing and growth partner

The digital bank for businesses

Start your financing request and get feedback within 24 hours. Bridge financing, revenue-based financing, available within 5 days.

Term

2-5 years

Ticket size

500k-30M

Debt for early-stage and growth companies. Receive a credit line with customised terms and pay fixed-interests only on used credits.

Your company has existed since at least 2 years

Your annual revenues are greater than 2million or your ARR is greater than 1,5million

You are located in the EU/UK/US

Your runway is at least 12 months

Your minimum growth rate is 5% annually

Our minimum requirements:

Type of finance:

Our flexible invoice financing is an attractive solution. Borrowing against your outstanding accounts receivables in the value of up to ~90% of outstanding AR value. The Invoices are not required to be submitted and purchased like in factoring.

Term

12-36 months

Ticket size

0.5M-30M

Pricing

6% – 13% p.a.

Others

Funding against invoices up to 120 days from invoice date

Your company has existed since at least 1 years

No minimum revenue (the business can still be cash-burning)

You are located in the EU/UK/US GGCC

Financial stability and creditworthy customers

Collateral: Invoices, account receivables

Our minimum requirements:

Financing solutions 

Clients and use cases

Key Industries

Private credit, debt capital to deploy 

420M+

Lending partners in multiple hubs

in EU and US

200

Years of experience

27

Clients supported

100+

Senior Advisor 

Financing Solutions, Growth and AI Services

“Combining financing expertise and growth services truly provides value for companies in their growth phase. It is like a bank providing finance and access to clients at the same time”

Previous transaction experience: >400m EUR/USD

Industries: Pharma, MedTech, Health, SaaS, IT, Construction, Bridge Financing, Trade Financing, Revenue Based Financing

Markets: US/EU/Middle East/India

Dr. Kumar Chopra

Founder & Investor

Financing Solutions, Growth and AI Services

“Efficient capital and intelligence for companies, enabling growth and innovation”

Previous transaction experience: >1.2bn EUR/USD 

Industries: IT, IoT, SaaS, Enterprise, Datacenter, Logistic, Transportation, Energy, Construction, Hotel/Retail

Markets: Europe/US/Middle East

Oliver Spring

Development & AI UniCapAI

“Providing data, intelligence and insights for companies is critical to their success”

Sylvestre Lucia

Client Onboarding Support UniCapAI

Trade Financing, Invoice Financing, Bridge Financing

“Providing support in client onboarding for efficient data processing”

Previous experience: Client support, Office Administration, Sales, HR

Markets: Europe

Sabrina Gluhic

Client support

Speak to some of our experts

Accelerate businesses with modern financing. 

Efficient financing step by step

How to get finance

We verify your eligibility and confirm your account

Choose your financing option

& get verified.

01

We verify your eligibility and confirm your account

Create an account.

02

Transfer your data fully encrypted to get financing

Financing dataroom.

03

Receive an indicative range of terms with the next steps

Receive financing offer.

04

VC investors

Free access to equity investors

Let's get started.

Debt financing

Powerful financing and data intelligence platform with 200 lenders, providing a broader range of options. Gain time and get an offer that best suits your needs in terms of interest rates, repayment terms, and loan amounts.

More options

01

Lenders may compete for your business by offering us attractive terms, potentially saving you money over the loan's repayment period.

Straightforward terms

02

Streamlined application process. faster due diligence process, with a single application through the platform, screening multiple lending options, saving you time and effort.

Faster lending process

03

Access to multiple UniCap lenders boosts your loan approval chances. With distinct underwriting criteria for each lender, a declined application with one may find approval with another in the network.

Increased approval chances

04

We believe in straightforward, honest transactions, ensuring that you only pay what you see, without any surprise charges. Trust us for clear and predictable financial solutions that prioritize your financial well-being.

No hidden fees

05

Latest Blog Posts

  • Fast access to non-dilutive capital for businesses with a minimum $5m annual turnover.

  • Typical ticket sizes ranging from $500k – $45M with with flexible repayment options. 

Financing provider with fast process and multiple credit facilities.

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