A business loan provides a lump sum of capital for growth, operations, or refinancing. You repay it over a set term with interest, giving you predictable funding for expansion, new hires, or short-term cash flow gaps.
Underrated Capital Helps SMEs Make Smarter Financial Decison!
Through clear models, actionable insights, and practical advisory.
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Our Solutions
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1. Financial Model Templates
 Forecast revenue, profit, and cash flow with precision.
Build financial clarity with ready-to-use 3-statement models designed for real businesses.
Each template includes detailed instructions, integrated ratio analysis, and automation that saves you hours of manual work.
Whether you’re planning growth, presenting to investors, or managing cash flow, our templates give you the structure of a professional FP&A team without the overhead.Â
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2. Valuation & Funding Tool
Understand what your business is worth and get investor-ready.
Build confidence when raising capital with our valuation calculators and funding-prep models. Each template is designed to help you estimate enterprise value, test scenarios, and present your numbers professionally to lenders or investors.
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3.Perfromance Dashboard & Analytics
Track what truly drives growth.
Visualise your financial performance with dynamic dashboards that highlight key ratios - liquidity, profitability, leverage, and efficiency. Instantly identify areas to cut costs, boost margins, and enhance cash conversion.
Explore DashboardsOur Funding Solutions
Asset Finance
Asset finance helps businesses acquire vehicles, machinery, or equipment without paying the full cost upfront. Instead, you spread payments over time, keeping cash flow healthy while using the asset to generate revenue.
Invoice Finance
Invoice finance unlocks cash tied up in unpaid invoices. A lender advances most of the invoice value immediately, so you don’t have to wait 30–90 days for clients to pay. It’s ideal for managing working capital and steadying cash flow.
Our Pricing
Start Free
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Top features
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Access to selected financial model templates – try our simplified 3-statement and cash-flow templates to understand your business performance.
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Weekly UC Insights newsletter – concise lessons on liquidity, valuation, and capital strategy written in plain English.
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Funding offers from lender partners – receive curated opportunities from our accredited lending network.
- Discounted business events – priority invites and discounts to Underrated Capital’s finance and growth workshops.
- Member resources hub – articles, checklists, and practical guides updated monthly.
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Exclusive Partner Discounts – save on accounting, software, and business tools through UC partner offers.
Premium
ÂŁ99.99
Top features
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Full access to all financial templates & calculators – from 3-statement models to industry-specific forecasting tools.
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Valuation & Funding Tools – DCF and multiples models to help you understand value and prepare for investors.
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Performance Dashboards with Ratio Analysis – visualise key liquidity, profitability, and efficiency metrics in real time.Â
Bookkeeping & Management Accounts – simplified systems to keep your numbers organised and decision-ready.Exclusive Community Q&A + Email Support – get direct answers from the UC team and connect with other business owners.
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Priority Updates – early access to new models, dashboards, and analytics releases.
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Free Access to Business Events – attend UC workshops and networking sessions at no cost.
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Advisory
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Top features
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Funding Readiness Report + Investor Deck – a tailored report and presentation designed to position your business effectively with lenders or investors.
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Bespoke 3-Statement Financial Model – built specifically around your business drivers, growth assumptions, and cash-flow needs.
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Ongoing FP&A and Cash-Flow Support – monthly performance reviews, variance analysis, and scenario testing to keep you investor-ready year-round.
-  Ideal for Businesses £500K–£10M Turnover – structured for SMEs scaling operations or preparing for external funding.
