Funding Circle vs Got Capital: Which UK Business Finance Provider in 2026?
Funding Circle is the stronger all-round pick on the FundBiz specialty panel, but Got Capital wins on specific files. Funding Circle runs term loan at £10k to £500k on 6.9% to 26.9% apr; Got Capital runs revenue-based business funding advance at £2k to £300k on factor fee, quoted at offer. The right answer depends on ticket size, trading history and sector. Got Capital beats Funding Circle for sole traders and partnerships needing fast cash. Read the side-by-side, then jump to the "when X wins" sections for the buyer-fit logic.
Side-by-side
Full profiles: Funding Circle · Got Capital
| Funding Circle | Got Capital | |
|---|---|---|
| Product type | Term loan | Revenue-based business funding advance |
| Ticket range | £10k to £500k | £2k to £300k |
| Typical rate | 6.9% to 26.9% APR | Factor fee, quoted at offer |
| Decision time | 1 to 3 business days | Same day to 48 hours |
| Soft search at quote | Yes | Yes |
| Ltd-only? | No | No |
| FCA regulated | Yes | No |
| Best for | Established Ltds with 2+ years trading and clean credit; Working-capital term loans between £25k and £250k; Applicants who want a recognised brand and a fast soft-search quote | Sole traders and partnerships needing fast cash; £5k+ monthly revenue businesses; Recently-trading SMEs (3 months+) |
| FundBiz panel view | Stronger all-round | Wins on specific files |
| Last reviewed | 2026-06-12 | 2026-05-08 |
When Funding Circle wins
- Soft search at quote, so the matcher can run a Funding Circle indicative offer without a credit-file footprint.
- Eligibility criteria are published, which lets us pre-screen turnover, trading time and sector before we send the file.
- Decision in 1 to 3 business days, fast enough that we rarely need to route to a slower bank for a clean case.
- Established brand and FCA-regulated, useful when applicants want a name they recognise.
Best for
Established Ltds with 2+ years trading and clean credit, Working-capital term loans between £25k and £250k, Applicants who want a recognised brand and a fast soft-search quote.
Watch outs
- Headline 6.9% rate is for top-tier files only, so we set applicant expectation higher in the matcher result.
- Personal guarantee is almost always required, which we flag at matcher stage to head off late drop-off.
- Less competitive on £100k+ tickets than Allica or OakNorth, so we route bigger asks accordingly.
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.
FAQ
Funding Circle or Got Capital: which is the better UK business finance provider in 2026?
Funding Circle is our stronger all-round pick on the FundBiz specialty panel, but the right answer depends on what your file looks like. Funding Circle is the stronger pick for established ltds with 2+ years trading and clean credit, while Got Capital is the stronger pick for sole traders and partnerships needing fast cash. If your file sits in one of those buckets, pick the right fit rather than the headline. See our /methodology/ for how we assess each lender.
What does each product look like, Funding Circle vs Got Capital?
Funding Circle offers term loan between £10k to £500k at 6.9% to 26.9% apr, with a 1 to 3 business days decision window. Got Capital offers revenue-based business funding advance between £2k to £300k at factor fee, quoted at offer, with a same day to 48 hours decision window. Funding Circle uses a soft search at quote. Got Capital uses a soft search at quote. Verify live commercials before signing because lender pricing moves and bespoke rates are common above £100k tickets.
Which is weakest for what?
Funding Circle is the wrong answer for sub-12-month trading, route to iwoca or start up loans company. Got Capital is the wrong answer for borrowers wanting fixed-term predictable apr. If either of those describes your file, look at the side-by-side table for the alternative route, or run the eligibility checker and the matcher will surface the right shortlist from the FundBiz specialty panel.
Can FundBiz help me choose between Funding Circle and Got Capital?
Yes. We are independent of either lender. The FundBiz specialty panel covers MCA, asset finance, commercial mortgage, bridging, VAT loan, R&D advance and post-decline routes. Tell us ticket size, trading history, sector and any prior declines. We match you against the panel lenders most likely to approve, and if your file needs a post-decline route we surface that explicitly rather than burning credit-file footprint with repeated mainstream applications.
Am I eligible to apply via FundBiz?
FundBiz works with limited companies, LLPs and partnerships of 4 or more partners. Sole traders and partnerships under 4 partners are out of scope and routed elsewhere. Both Funding Circle and Got Capital sit on our panel for the entity types we serve. Trading history requirements vary by lender, so the matcher pre-screens before sending the file across.
Related comparisons
Other UK specialty finance head-to-heads involving Funding Circle or Got Capital:
Check eligibility in two minutes
Tell us ticket size, trading history and sector. We match you against the FundBiz specialty panel: MCA, asset finance, commercial mortgage, bridging, VAT loan, R&D advance and post-decline routes. Limited companies, LLPs and partnerships of 4+.
Check eligibility →Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-06-12. Editorial by Best Business Loans Ltd (16833937).