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Uncap

Uncap

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Questioning the second oldest profession.

Fintech is hard. Incumbents in the space are large, powerful, and resistant to change. Harder still, winning the high-risk segments of the market like personal leasing and lending. There is a continual tension in the industry between finance and technology: A classic chicken and egg scenario — which to build first? Financial leverage or Technology optimizations? In these challenging markets where risk is high, but the reward even higher, “hard” doesn't mean "impossible." It just requires new questions — and answers. Uncap Financial founder Jon Weisblatt pondered a simple question: "If 80% of large businesses lease their equipment, why don't small businesses do the same?" How do you unlock the second oldest market — lending — and simultaneously empower companies to access the technology they need to grow their businesses? Answer: Instead of starting with "no," begin with "why not?"

  Thinktiv provided vital operational support — transforming the business operations, original procedures, and financial risk management.

Thinktiv provided vital operational support — transforming
the business operations, original procedures, and financial risk management.

"If 80% of large businesses lease their equipment, why don't small businesses do the same?"

How do you unlock the second oldest market — lending — and simultaneously empower companies to access the technology they need to grow their businesses?

Answer: Instead of starting with “no,” begin with “why not?”

Do you have a finance option?

Small businesses struggle to secure necessary financing. New businesses often lack a financial track record forcing founders to guarantee loans and incurring significant amounts of risk personally. Additionally, for larger institutions like schools, classic funding cycles prohibit large one-time purchases. Meanwhile, the industry standard risk measurements are insufficient to describe modern business owner behavior: a first-time entrepreneur, a long time business owner's new franchise, a nonprofit. Options are slim: Pay cash. Pay criminal credit-card finance charges. Die trying. After bootstrapping a modest track record of lease experience, Uncap came to Thinktiv to transform its operations and prepare it for substantial change in its enterprise trajectory. In partnership with Uncap, Thinktiv helped develop a back office platform to bring efficiency and operational scale to the core leasing business, and a marketing and e-commerce platform to improve the effectiveness and velocity of customer acquisition. Parallel to that effort, we overhauled the company branding, packaging, and pricing. And, finally, acted as executive counsel to support Uncap’s ability to attract and negotiate premium partnerships and capital investment.

After bootstrapping a modest track record of lease experience, Uncap came to Thinktiv to transform its operations and prepare it for substantial change in its enterprise trajectory.

In partnership with Uncap, Thinktiv helped develop a back office platform to bring efficiency and operational scale to the core leasing business, and a marketing and e-commerce platform to improve the effectiveness and velocity of customer acquisition. Parrallell to that effort, we overhauled the company branding, packaging, and pricing. And, finally, acted as executive counsel to support Uncap’s ability to attract and negotiate premium partnerships and capital investment.

  In maturing the company, it was critical that it had a new brand, name, and enablement collateral to close vital sales initiatives.

In maturing the company, it was critical that it had a new brand,
name, and enablement collateral to close vital sales initiatives.

Outcome: You're approved!

The result was an all-new Uncap. Built on the back of its robust lease platform, new risk-assessment process, and expanding relationships with premier partners like Best Buy for Business, Uncap secured a $2 million equity investment and a $100 million warehouse line to write leases.

  Thinktiv worked alongside Uncap in significant financing events which unlocked sizeable new capital horizons for the business.

Thinktiv worked alongside Uncap in significant financing events
which unlocked sizeable new capital horizons for the business.


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