Uncapped Tech Stack

Non-dilutive working capital for ecommerce and retail growth

Financial Services London, England 51–200 employees Founded 2019 Privately Held

Uncapped provides flexible credit lines (£10k–£10m) to growing ecommerce brands and retailers as an alternative to equity financing. The tech stack—Java + Spring Boot on GCP/AWS, plus PyTorch, TensorFlow, and Vertex AI—reflects a fintech built around credit decisioning and risk modeling. Active hiring in data (5 open roles) and engineering (4) paired with projects on credit risk models, underwriting capabilities, and AI tooling adoption signals internal focus on automating and scaling underwriting decisions rather than expanding sales coverage.

Tech Stack 24 technologies

Core StackJava Docker Kubernetes AWS Shopify Python PyTorch TensorFlow MLflow Kubeflow Vertex AI Figma React Terraform Loki Grafana Spring Boot Spring Cloud GCP SQL HTML CSS Tempo Mimir

What Uncapped Is Building

◆Challenges

Slow credit decisions
Improving underwriting capabilities
Scaling data capabilities
Reducing application processing time
Cost optimization query performance
Startup funding gaps
Strategic initiative execution
Lack of working capital
Lack of conventional credit data
Improving credit decisioning accuracy

▲Active Projects

Drive user-centered strategy
Credit risk model development
Risk engine development
Design & ship exceptional products
Build & scale our design system
Build innovative underwriting capabilities
Ai tooling adoption
Data sourcing and experimentation
Sales-related systems development
Tailoring funding offers

Hiring Activity

Accelerating20 roles · 15 in 30d

Department

Data

Design

Engineering

Product

Sales

Executive

Finance

Seniority

Senior

Lead

Mid

Director

Junior

Staff

Notable leadership hires: Product Director

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About Uncapped

Uncapped is a UK-based alternative finance provider founded in 2019, serving ecommerce, retail, and seller businesses seeking growth capital without equity dilution. The product offers working capital lines starting at £10k and scaling to £10m, targeted at founders who need to fund inventory, marketing, and operational growth while retaining ownership. Operations span the UK, US, Canada, and Poland. The company has built a credit and risk infrastructure on Java/Spring Boot microservices, GCP/AWS cloud, and ML models (PyTorch, TensorFlow, Vertex AI), with documented pain points around slow credit decisions, underwriting accuracy, and application processing speed.

HeadquartersLondon, England

Company Size51–200 employees

Founded2019

Hiring MarketsPoland, Canada, United Kingdom, United States

Frequently Asked Questions

What tech stack does Uncapped use?

Java, Spring Boot, Spring Cloud, GCP, AWS, Docker, Kubernetes, Python, PyTorch, TensorFlow, Vertex AI, React, Terraform, Grafana, Loki, and Tempo. Core architecture runs on GCP/AWS with ML models for credit risk and underwriting.

What is Uncapped working on?

Credit risk model development, underwriting capability improvements, design system scaling, AI tooling adoption, data sourcing and experimentation, and sales systems. Pain points include slow credit decisions and reducing application processing time.