Got Capital vs Kuflink: Which UK Business Loan Provider in 2026?
Got Capital and Kuflink 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; Kuflink runs a bridging finance and p2p property lending at From 0.55% per month with decisions in 3 to 10 business days. 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 | Kuflink | |
|---|---|---|
| Product type | Revenue-based business funding advance | Bridging finance and P2P property lending |
| Founded | 2014 | 2013 |
| Ticket range | £2k to £300k | £75k to £3m |
| Typical rate | Factor fee, quoted at offer | From 0.55% per month |
| Decision time | Same day to 48 hours | 3 to 10 business days |
| Soft search at quote | Yes | No (hard search) |
| Limited companies only | No | No |
| FCA regulated | No | Yes |
| Companies House | 09073214 | 08460508 |
| Best for | Sole traders and partnerships needing fast cash; £5k+ monthly revenue businesses; Recently-trading SMEs (3 months+) | £100k to £1m residential bridging; Refurb and BTL purchases; Borrowers wanting an online journey |
| 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 Kuflink wins
- FCA-regulated for the consumer-facing P2P side.
- Strong Trustpilot footprint, unusual for category.
- Lower ticket floor than most bridging desks.
- Online application with broker support.
Best for
£100k to £1m residential bridging, Refurb and BTL purchases, Borrowers wanting an online journey.
Watch outs
- P2P funding model ties some deals to retail investor appetite.
- Per-month rate; total cost depends on term length.
- £3m ticket cap rules out larger schemes.
FAQ
Got Capital or Kuflink: 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 Kuflink. 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 Kuflink is the stronger pick for £100k to £1m residential bridging. 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 Kuflink offer?
Got Capital runs a revenue-based business funding advance with tickets of £2k to £300k at Factor fee, quoted at offer. Kuflink runs a bridging finance and p2p property lending with tickets of £75k to £3m at From 0.55% per month. Decision time on Got Capital is same day to 48 hours; on Kuflink it is 3 to 10 business days. 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 Kuflink, 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. Kuflink is hard-search at quote and accepts sole traders and partnerships as well as Ltd companies. Got Capital is not directly FCA regulated; Kuflink is FCA regulated.
Which is the wrong answer for what?
Got Capital is the wrong answer for borrowers wanting fixed-term predictable apr. Kuflink is the wrong answer for £3m+ tickets. 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 Kuflink?
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).