Lender review · Revenue-based business funding advance
Got Capital
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 09073214
- Methodology Public
Hertfordshire-based revenue-based finance provider trading since 2014. Markets advances rather than loans (a forward purchase of revenue). Accepts sole traders, Ltd companies, LLPs and partnerships. Three-month minimum trading and £5k monthly turnover. Strong service reputation for its category.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
At a glance
- Product
- Revenue-based business funding advance
- Ticket size
- £2k to £300k
- Typical rate
- Factor fee, quoted at offer
- Decision time
- Same day to 48 hours
- Soft search at quote
- Yes
- Limited companies only
- No
- FCA regulated
- No
- Companies House
- 09073214
- Founded
- 2014
Scores against our methodology
- Rate transparency3/5
- Eligibility clarity5/5
- Decision speed5/5
- Decline handling4/5
How Got Capital works
Got Capital operates as a revenue-based business funding advance provider in the UK SMB market. Hertfordshire-based revenue-based finance provider trading since 2014. Markets advances rather than loans (a forward purchase of revenue). Accepts sole traders, Ltd companies, LLPs and partnerships. Three-month minimum trading and £5k monthly turnover. Strong service reputation for its category.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £2k to £300k band, decisions land within Same day to 48 hours, and the published rate range is Factor fee, quoted at offer. Soft search at quote means no impact on your credit file at the eligibility stage. Like most UK lenders to limited companies, the standard SMB lending sits outside the FCA perimeter.
Where Got Capital fits best: sole traders and partnerships needing fast cash, £5k+ monthly revenue businesses, recently-trading smes (3 months+). Where it does not fit: borrowers wanting fixed-term predictable apr, lump-sum acquisition finance, rate-sensitive applicants.
Pricing examples
Worked examples using Got Capital's published rate range (Factor fee, quoted at offer). This lender prices by factor rate or bespoke quote, so we show the structure, not a worked APR.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | See lender quote | See lender quote |
| £50,000 | 36 months | See lender quote | See lender quote |
| £100,000 | 48 months | See lender quote | See lender quote |
Indicative only. Confirm on a Got Capital quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: Borrowers wanting fixed-term predictable APR; Lump-sum acquisition finance; Rate-sensitive applicants.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies and (in some cases) sole traders / partnerships.
- Best fit: Sole traders and partnerships needing fast cash; £5k+ monthly revenue businesses; Recently-trading SMEs (3 months+).
Pros
- + Accepts every UK business structure including sole traders.
- + No personal guarantee in the standard advance structure.
- + Three-month minimum trading bar, useful for newer businesses.
- + Strong Trustpilot record vs category peers.
Cons
- − Factor-fee quoting hides effective APR.
- − Decisions tied to revenue history, not balance-sheet strength.
- − £100k+ advances require 12 months trading.
- − Final terms only revealed after application, not at the homepage CTA.
Best for
- · Sole traders and partnerships needing fast cash
- · £5k+ monthly revenue businesses
- · Recently-trading SMEs (3 months+)
Weak at
- · Borrowers wanting fixed-term predictable APR
- · Lump-sum acquisition finance
- · Rate-sensitive applicants
When to use Got Capital
Use Got Capital when
Your application matches the best-fit profile: sole traders and partnerships needing fast cash, £5k+ monthly revenue businesses, recently-trading smes (3 months+). The published ticket range (£2k to £300k) covers your ask, the decision speed (Same day to 48 hours) fits your cash-gap timeline, and the rate range (Factor fee, quoted at offer) is acceptable to you given your credit profile. Soft search at quote means there is no downside to running an eligibility check before committing.
Do not use Got Capital when
Your profile sits in the weak-at list: borrowers wanting fixed-term predictable apr, lump-sum acquisition finance, rate-sensitive applicants. Got Capital will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using Got Capital as a screen.
FAQs
What is the minimum trading time for Got Capital?
Got Capital typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does Got Capital require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Got Capital is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For revenue-based business funding advance specifically, expect a PG to be requested.
How fast does Got Capital fund?
Got Capital quotes Same day to 48 hours for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from Got Capital?
Got Capital's published range is Factor fee, quoted at offer. The headline number is rarely the offered number. Rate transparency on this lender scores 3/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if Got Capital declines me?
If Got Capital declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. Got Capital scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via gotcapital.co.uk, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Got Capital.
Specialty alternatives
See all lender reviews for alternatives.
Got Capital compared head-to-head
Side-by-side breakdowns of rate, ticket band, decision speed, eligibility and best-fit for UK SMEs.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: gotcapital.co.uk.