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 revenue, according to its own site.
Quick verdict
- Product: Revenue-based business funding advance.
- Ticket band: £2k to £300k.
- Pricing: Factor fee, quoted at offer.
- Got Capital says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
Got Capital, 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
- Funding in as little as 1 to 24 hours after approval
- Ltd-only
- No, the lender also accepts other structures
Where Got Capital is strong
- No personal guarantee in the standard advance structure.
- Three-month minimum trading bar, useful for newer businesses.
- Rated Excellent on Trustpilot: 4.6 out of 5 from 689 reviews (Trustpilot, checked 23 September 2026).
Watch-outs, and when another lender may suit better
- Factor-fee quoting hides effective APR.
- Decisions tied to revenue history, not balance-sheet strength.
- Got Capital prefers 12 months of trading for advances above £100k.
- Final terms only revealed after application, not at the homepage CTA.
Best fit applicants
- £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, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
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.
FAQ
What can I borrow through Got Capital?
Got Capital offers revenue-based business funding advance. Ticket range: £2k to £300k. Typical rate: Factor fee, quoted at offer.
How long does Got Capital take to decide?
Funding in as little as 1 to 24 hours after approval Got Capital says checking eligibility uses a soft search, so it does not affect your credit score.
Who is Got Capital the best fit for?
First on the list: £5k+ monthly revenue businesses. The full list is under Best fit applicants above.
When might another lender suit better than Got Capital?
First on the list: Borrowers wanting fixed-term predictable APR. The other cases are under Where Got Capital is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: Got Capital
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.