Head to head
Got Capital vs Propel: Which UK Business Finance Provider in 2026?
Side by side: what each lender offers UK limited companies and LLPs, and what each one publishes.
Free · 2 mins
Start here · What do you need?
What Got Capital offers: revenue-based business funding advance. Ticket range: £2k to £300k (its FAQ; its headline says from £1k). Rate: factor fee, quoted at offer. What Propel offers: asset finance (hire purchase and lease). Ticket range: from £500 to facilities over £1m (its own figures). Got Capital suits Ltd companies, LLPs and partnerships of four or more partners that don't want to give a personal guarantee. Propel suits vendor-introduced asset finance. The table below compares ticket range.
Source: FundBiz methodology.
Got Capital, at a glance
- Product
- Revenue-based business funding advance
- FundBiz editorial view
- Best for Ltd companies, LLPs and partnerships of four or more partners that don't want to give a personal guarantee
Propel, at a glance
- Product
- Asset finance (hire purchase and lease)
- FundBiz editorial view
- Best for vendor-introduced asset finance
Side-by-side
Full profiles: Got Capital · Propel
| Compared on | Got Capital | Propel |
|---|---|---|
| Product type | Revenue-based business funding advance | Asset finance (hire purchase and lease) |
| Ticket range | £2k to £300k (its FAQ; its headline says from £1k) | From £500 to facilities over £1m (its own figures) |
| Typical rate | Factor fee, quoted at offer | Quoted at offer |
| Decision time | Decision and funding within 24 hours, says Got Capital (funds 1 to 24 hours after approval) | Not published |
| Lender's own soft search at quote | Yes, says the lender | Not published |
Sources: Got Capital's own site · Propel's own site. Figures change; confirm with the lender before you rely on one.
FundBiz enquiries are for limited companies, LLPs and partnerships with four or more partners. Some lenders on this page also accept other business types; we do not arrange those and do not recommend a lender on that basis.
When Got Capital may fit
- 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).
Best for
Ltd companies, LLPs and partnerships of four or more partners that don't want to give a personal guarantee, Businesses with £5,000+ monthly revenue (Got Capital's published minimum, checked 9 Oct 2026), Recently-trading SMEs (3 months+).
Watch outs
- Factor-fee quoting hides effective APR.
- Decisions tied to revenue history, not balance-sheet strength.
- Got Capital says advances above £100,000 need twelve months of trading (its own site, checked 9 Oct 2026).
Lender figures and criteria: Got Capital's own site; full notes in our Got Capital review.
When Propel may fit
- Can finance technology equipment from £500 upwards through its technology partners, according to its own FAQ.
- Vendor finance integration: many sellers offer Propel at point of sale.
- Publishes its customer satisfaction score (9.7 out of 10 when checked in September 2026) on its own site.
Best for
Vendor-introduced asset finance, IT and soft-asset HP, Commercial vehicles and plant.
Watch outs
- No published pricing; APR depends heavily on profile and vendor channel.
- No published decision time.
- Vendor margin can sit on top of the headline rate.
Lender figures and criteria: Propel's own site; full notes in our Propel review.
FAQ
Got Capital or Propel: which is the better UK business finance provider in 2026?
Neither is better for every business. The 'When Got Capital may fit' and 'When Propel may fit' sections above say who each one suits, and the side-by-side table shows what each lender publishes. Check each lender's own criteria before you apply.
Which is weakest for what?
Got Capital is a poor fit for borrowers wanting fixed-term predictable APR. Propel is a poor fit for pure unsecured working capital. If either of those describes your business, look at the side-by-side table for the alternative, or read our other lender reviews.
Can FundBiz help with Got Capital or Propel?
FundBiz is not a lender and is independent of both. This comparison and our lender reviews are editorial research to help you decide which to approach. If you send an enquiry and ask for funding options, we may pass your details to one of the finance partners we work with, and that can include a lender reviewed on this site.
Who can send an enquiry through FundBiz?
The FundBiz enquiry form is for limited companies, LLPs and partnerships with four or more partners. Eligibility for Got Capital and Propel is set by each lender, and trading history requirements vary, so check each lender's own criteria.
How we ranked these lenders
Every lender is scored on the same four FundBiz criteria: pricing transparency, eligibility clarity, decision speed and treatment of declined applicants. Scores are our own desk-research assessment built from the FCA Register, Companies House filings and each lender's published product sheets, not customer reviews and not hands-on product testing. Each comparison shows the date it was last updated. Inclusion is never paid for. We may be paid by the finance partners we introduce you to. This could be a fixed fee or commission, depending on the partner and the finance arranged. It does not change what you pay. See our full methodology.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. It's free and there's no obligation. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.
Founder & Managing Director, Muswell Rose, FundBiz
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind FundBiz. His background runs through commercial finance, mortgages and fintech, including as managing director of an invoice finance business. He oversees FundBiz's guides and lender reviews.
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