Last updated: April 2026
UNCAP. is a credit assistance business operated in Australia. We connect small and medium businesses with lenders who may provide unsecured business finance. UNCAP. does not lend money directly.
By accessing or using our website at uncap.com.au (the "Site"), you agree to these Terms of Use. If you do not agree, do not use the Site.
UNCAP. operates as a credit representative or broker. We are required to hold appropriate authorisations under the National Consumer Credit Protection Act 2009 (Cth) where applicable. Our Credit Guide sets out our licensing details and the basis on which we provide credit assistance.
You may use this Site for lawful purposes only. You must not:
Information on this Site is general in nature and does not constitute financial, legal, or credit advice. It does not take into account your personal financial situation or objectives. Before making any financial decision, you should consider whether any product or service is right for you, and seek independent advice if needed.
Submitting an application or enquiry through this Site does not guarantee approval, an offer of credit, or any particular loan terms. All credit decisions are made solely by the relevant lender. UNCAP. makes no representation as to whether any lender will approve or fund your application.
By submitting an application, you authorise UNCAP. to share your information with lenders and third parties as outlined in our Privacy Policy.
UNCAP. does not charge applicants any fees for our credit assistance services. Our fees are paid by lenders upon successful settlement of a loan. Details of any commissions or referral fees we may receive are disclosed in our Credit Guide.
We work with a panel of third-party lenders. UNCAP. is not responsible for the conduct, products, or decisions of any lender. Loan terms, interest rates, fees, and eligibility criteria are set by lenders and may change without notice.
All content on this Site — including text, graphics, logos, and code — is owned by or licensed to UNCAP. and is protected under Australian copyright law. You may not reproduce or distribute any content without our written consent.
To the maximum extent permitted by law, UNCAP. is not liable for any loss or damage arising from your use of this Site or reliance on any information provided. This includes but is not limited to direct, indirect, consequential, or incidental loss.
Nothing in these terms limits any rights you may have under Australian consumer law.
We collect and handle personal information in accordance with the Privacy Act 1988 (Cth). See our Privacy Policy for full details.
If you have a complaint about our services, please contact us at admin@uncap.au. We will acknowledge your complaint within 5 business days and aim to resolve it within 30 days.
If we cannot resolve your complaint to your satisfaction, you may escalate to the Australian Financial Complaints Authority (AFCA) at afca.org.au or by calling 1800 931 678.
We may update these Terms of Use at any time. Continued use of the Site after changes are posted constitutes acceptance of the revised terms. We recommend checking this page periodically.
These Terms are governed by the laws of New South Wales, Australia. Any disputes are subject to the exclusive jurisdiction of the courts of New South Wales.
For any questions about these Terms, contact us at admin@uncap.au or call 1800 005 938.