Got Capital

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.

Quick routing verdict

  • Product: Revenue-based business funding advance.
  • Ticket band: £2k to £300k.
  • Decision time: Same day to 48 hours.
  • Pricing: Factor fee, quoted at offer.
  • Soft search at quote stage: no credit-file footprint.

At a glance

Legal entity
Got Capital Ltd
Companies House
09073214
Founded
2014
Product
Revenue-based business funding advance
Ticket range
£2k to £300k
Decision time
Same day to 48 hours
Ltd-only
Lender accepts other structures, FundBiz routing is Ltd-only
Last reviewed
2026-05-08

Why we route here

  • 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.

When we route elsewhere

  • 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 fit applicants

  • Sole traders and partnerships needing fast cash
  • £5k+ monthly revenue businesses
  • Recently-trading SMEs (3 months+)

Where Got Capital is the wrong fit

  • Borrowers wanting fixed-term predictable APR
  • Lump-sum acquisition finance
  • Rate-sensitive applicants

If declined by Got Capital

If your application to Got Capital is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Got Capital decline runbook for sector-specific routing detail.

Other panel lenders

How we rate Got Capital

This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.

Run the matcher

Tell us your turnover, sector and ticket size. We score against Got Capital and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.

Open matcher →

Last reviewed: 2026-05-08. By Oliver Mackman.

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Soft credit search · Decision in 24-72 hours · Limited companies, LLPs and partnerships of 4+