Last updated: April 2026
This Credit Guide is provided to you as required under the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act). Please read it carefully before proceeding with any credit application.
UNCAP. is a credit assistance business that helps Australian small and medium businesses access unsecured business finance. We act as an intermediary between borrowers and lenders — we do not lend money directly.
Business name: UNCAP.
Email: admin@uncap.au
Phone: 1800 005 938
Website: uncap.com.au
UNCAP. provides credit assistance for business purposes. Business credit is generally exempt from the licensing requirements of the NCCP Act, however we are committed to the standards expected of a responsible credit intermediary.
Where consumer credit is involved, UNCAP. operates as an authorised credit representative or holds its own Australian Credit Licence (ACL). Current authorisation details will be provided on request.
You can verify credit licence details at the ASIC Connect register: connectonline.asic.gov.au.
UNCAP. provides credit assistance by:
We do not make the lending decision. All credit approvals, terms, and conditions are determined solely by the lender.
We work with a panel of Australian business lenders. The specific lenders we work with may change over time. We will identify the lender(s) your application is submitted to before or at the time of submission.
We do not have an exclusive arrangement with any single lender. We aim to match you to the lender most suitable for your profile based on the information you provide.
UNCAP. does not charge you any fees. Our credit assistance service is provided to borrowers at no cost.
You will not be charged any upfront, application, or brokerage fees by UNCAP. The fees you pay (if any) are those charged directly by the lender under your loan agreement. Always review the lender's loan contract carefully before signing.
UNCAP. receives remuneration from lenders when a loan is successfully settled. This is standard practice in commercial finance broking. Our remuneration typically includes:
These commissions are paid by lenders from their own margins and do not directly affect the interest rate or fees you are charged. However, you should be aware that we have a financial interest in a loan being settled.
We will disclose the estimated commission for your specific loan before you proceed, if requested.
As noted above, UNCAP. earns commission from lenders. This creates a potential conflict of interest in that we may be financially incentivised to recommend products from lenders who pay higher commissions.
We manage this conflict by:
When providing credit assistance, we are obligated to:
To help us match you with a suitable lender, you should:
Lenders will conduct their own credit assessment of your application. This may include a credit check with one or more credit reporting bodies (such as Equifax, Illion, or Experian). You will be notified if a credit check is required.
Not all applications will be approved. Approval is subject to the lender's own criteria.
If you have a complaint about the credit assistance we have provided, please contact us first:
Email: admin@uncap.au
Phone: 1800 005 938
We will acknowledge your complaint within 5 business days and aim to resolve it within 30 days.
If we cannot resolve your complaint, you may refer it to the Australian Financial Complaints Authority (AFCA):
AFCA is a free, independent external dispute resolution service.
We collect, use, and disclose your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. See our Privacy Policy for full details on how we handle your data.
For any questions about this Credit Guide or our services:
Email: admin@uncap.au
Phone: 1800 005 938
Website: uncap.com.au