Got Capital vs Haydock Finance: Which UK Business Loan Provider in 2026?
Got Capital and Haydock Finance both score 4.2 of 5 in our 2026 UK review. Got Capital runs a revenue-based business funding advance at Factor fee, quoted at offer with decisions in same day to 48 hours; Haydock Finance runs a asset finance (hire purchase and lease) at Quoted at offer with decisions in 24 to 72 hours. The right answer depends on what you need: ticket band, time pressure, sector, and whether your trading history clears each lender's eligibility floor. Read both columns of the side-by-side, then read the "when X wins" sections below for the buyer-fit logic. If you want us to do the work, our two-minute quote form matches you against a UK lender panel without affecting your credit file.
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
Side-by-side
| Got Capital | Haydock Finance | |
|---|---|---|
| Product type | Revenue-based business funding advance | Asset finance (hire purchase and lease) |
| Founded | 2014 | 1980 |
| Ticket range | £2k to £300k | £5k to £500k |
| Typical rate | Factor fee, quoted at offer | Quoted at offer |
| Decision time | Same day to 48 hours | 24 to 72 hours |
| Soft search at quote | Yes | No (hard search) |
| Limited companies only | No | No |
| FCA regulated | No | Yes |
| Companies House | 09073214 | 01526882 |
| Best for | Sole traders and partnerships needing fast cash; £5k+ monthly revenue businesses; Recently-trading SMEs (3 months+) | Hard-asset HP and lease; Asset refinance for cash release; Sub-prime to prime asset deals |
| Overall rating | 4.2 / 5 | 4.2 / 5 |
| Last reviewed | 2026-05-08 | 2026-05-08 |
When Got Capital wins
- 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.
Best for
Sole traders and partnerships needing fast cash, £5k+ monthly revenue businesses, Recently-trading SMEs (3 months+).
Watch outs
- Factor-fee quoting hides effective APR.
- Decisions tied to revenue history, not balance-sheet strength.
- £100k+ advances require 12 months trading.
When Haydock Finance wins
- Forty-plus years in asset finance; deep underwriting bench.
- Strong on hard assets: HGV, plant, manufacturing, agriculture.
- Refinance product unlocks equity in owned assets.
- Excellent Trustpilot track record for the asset finance category.
Best for
Hard-asset HP and lease, Asset refinance for cash release, Sub-prime to prime asset deals.
Watch outs
- No published rates; broker-distributed pricing.
- No retail unsecured business loans.
- Direct applicants typically routed to broker channel.
FAQ
Got Capital or Haydock Finance: which is the better UK business loan in 2026?
Got Capital scores higher overall in our 2026 review at 4.2 of 5 versus 4.2 for Haydock Finance. That said, the right answer depends on what you trade and what you need. Got Capital is the stronger pick for sole traders and partnerships needing fast cash, while Haydock Finance is the stronger pick for hard-asset hp and lease. If your business sits inside one of those use cases, ignore the headline rating and pick for fit.
What rates and ticket bands do Got Capital and Haydock Finance offer?
Got Capital runs a revenue-based business funding advance with tickets of £2k to £300k at Factor fee, quoted at offer. Haydock Finance runs a asset finance (hire purchase and lease) with tickets of £5k to £500k at Quoted at offer. Decision time on Got Capital is same day to 48 hours; on Haydock Finance it is 24 to 72 hours. Headline rates rarely match the offered rate, so verify on the lender site before committing, and assume bespoke pricing above £100k where the data allows it.
Eligibility: Got Capital vs Haydock Finance, who qualifies?
Got Capital is soft-search at quote stage (no credit-file footprint) and accepts sole traders and partnerships as well as Ltd companies. Haydock Finance is hard-search at quote and accepts sole traders and partnerships as well as Ltd companies. Got Capital is not directly FCA regulated; Haydock Finance is FCA regulated.
Which is the wrong answer for what?
Got Capital is the wrong answer for borrowers wanting fixed-term predictable apr. Haydock Finance is the wrong answer for pure unsecured working capital. If either of those describes your business, look at the side-by-side table for the alternative, or get a quote from our UK lender panel and we will surface the right shortlist.
Can BestBusinessLoans help me choose between Got Capital and Haydock Finance?
Yes. Our reviews are editorial; we run a UK lender panel via our /get-quotes/ form that includes both. Tell us monthly turnover, sector and what you need the money for. We match you against the lenders most likely to approve and beat your current cost, then route the application without affecting your credit file at quote stage.
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Get quotes →Reviewed by Oliver Mackman, Director. Last reviewed: 2026-05-08. Editorial by Best Business Loans Ltd (16833937).