Fintech Platform Development for Uncap

Uncap, a company bridging the funding gap in Sub-Saharan Africa, sought a platform to connect investors with local businesses. We delivered a comprehensive revenue-based financing platform in just eight months, which was used to process over 4,500 applications using a unique, data-driven screening system.

Picture of a businessman in an office. The man is dressed in black, wearing stylish glasses, and talking over the phone while sitting at a desk with a laptop and papers on it.

The company and product

Bridging the $90 billion funding gap for early-stage companies in Sub-Saharan Africa through innovative fintech development.

To bridge that gap, and to help equalize opportunities, Uncap connects investors with local business owners through their custom-built revenue-based financing platform.

To ensure the investment process is as fair as possible, Uncap leverages a unique, data-driven screening process for evaluating applicants. This fintech solution focuses on each founder's entrepreneurial potential, enabling bias-free investment decisions through automated data analysis.

Client’s feedback

Esther Ndeti

INVESTMENT LEAD AT UNCAP

A comprehensive approach

We worked with Monterail to develop a comprehensive platform that powers the entirety of Uncap’s operations — from the application process, through the evaluation and due diligence to portfolio support & performance monitoring.

The Challenge

From fintech concept to ready-to-use investment platform.

When Uncap contacted us, they had an expertly-documented vision for their revenue-based financing platform that outlined the rules and requirements for processing applications, identifying promising opportunities, implementing data-focused screening, and managing investment rounds from both investor and business-owner perspectives.

They came prepared with initial designs for the platform, and needed a technical partner experienced in fintech development that could quickly deliver a working product.

Key challenges of the project included:

Translating business vision into a scalable digital investment platform.
Defining technical constraints and the most optimal development workflow.
Implementing numerous third-party integrations required for revenue-based financing operations.

Picture of person using a MacBook on their lap. On the screen is a view from the Uncap investment platform with several sections, numbers, and a chart.

The process

Workshops after each milestone to prioritize and structure the platform's development.

Close collaboration with Uncap to understand and address edge cases in investment screening.

Understanding business needs to advise on necessary modules for the revenue-based financing platform.

Workshops after each milestone to prioritize and structure the platform's development.

Close collaboration with Uncap to understand and address edge cases in investment screening.

Understanding business needs to advise on necessary modules for the revenue-based financing platform.

Reexamining initial assumptions throughout development with agile approach

We discovered edge cases and technical constraints that allowed us to fine-tune the investment platform, requiring additional development work. These discoveries increased the application's complexity, but thanks to our agile fintech development approach, we created a platform that serves both stakeholders and end users effectively.

We started the cooperation with a workshop that defined the exact scope of the revenue-based financing platform development. We repeated this practice after reaching each milestone, conducting 3 workshops total.

The milestone workshops allowed us to agree on development priorities and next steps. Uncap continued providing designs that we implemented in the live platform. Initially, Uncap wanted to develop only the dashboard for tracking financial aspects of investments. During development, however, we agreed that an application collection module was essential for their revenue-based financing model.

We maintained steady delivery of required features until we had a fully functional investment platform.

Development process highlights:

Workshops after each milestone allowed us to prioritize and structure development.
Close collaboration with Uncap allowed us to communicate edge cases and agree on the necessary extensions in the development.
Understanding business needs, we were able to advise on necessary modules to be developed.

Picture of a person's hands holding a smartphone. On the phone's screen there is a view from the Uncap investment platform, with the heading "Reports overview," a search bar, and several components showing the status of different documents.

The Outcome

8 months to build and launch fintech platform, 4,500+ applications processed in the first cycle.

Using their new investment platform, Uncap successfully collected over 4,500 applications in the first cycle after launch.

They continued expanding the automation and data-centricity of their investment screening process, further enhancing the platform's bias-free evaluation capabilities.

The success of this project hinged on the following factors:

Understanding the revenue-based financing vision and delivering a platform that fulfills complex investment requirements.
Structured workshops and agile collaboration that enabled same-day deployment of requested features.
Fintech development expertise that efficiently translated business requirements into a working investment platform.

Team’s voice

Tomasz Zmarzły

Project Manager

Partnership and agility

Our goal was to prepare a web application in accordance with initial assumptions, which were precisely formulated. These assumptions evolved as we continued to work on the project, and thanks to close cooperation with the Uncap Team and an agile approach, we were able to adapt quickly. Cooperation with Uncap was exemplary and thanks to a partnership approach, and we managed to achieve success together.

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