Head to head
Got Capital vs Sonovate: 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 Sonovate offers: embedded finance and contractor pay funding for recruitment and consultancy agencies. Got Capital suits Ltd companies, LLPs and partnerships of four or more partners that don't want to give a personal guarantee. Sonovate suits UK recruitment agencies. Neither publishes enough to compare like for like; the table shows what each one does publish, so ask both directly.
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
Sonovate, at a glance
- Product
- Embedded finance and contractor pay funding for recruitment and consultancy agencies
- FundBiz editorial view
- Best for UK recruitment agencies
Side-by-side
Full profiles: Got Capital · Sonovate
| Compared on | Got Capital | Sonovate |
|---|---|---|
| Product type | Revenue-based business funding advance | Embedded finance and contractor pay funding for recruitment and consultancy agencies |
| Ticket range | £2k to £300k (its FAQ; its headline says from £1k) | Not published |
| Typical rate | Factor fee, quoted at offer | Not published, 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 |
| Lender lends to limited companies only | Not stated | Yes |
Sources: Got Capital's own site · Sonovate'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 Sonovate may fit
- Built for recruitment and consultancy economics; better fit than generic IF.
- Pays contractors weekly while extending agency credit terms to clients.
- Software automates timesheets, invoicing and credit control.
- Direct lender plus platform; no separate factoring relationship.
Best for
UK recruitment agencies, Management consultancies billing on time-and-materials, Contingent-labour businesses with weekly contractor pay.
Watch outs
- Sector-locked; useless to businesses outside recruitment, consultancy or contingent labour.
- Pricing is not published, so ask for the full cost in writing.
- Hard credit search at full application.
Lender figures and criteria: Sonovate's own site; full notes in our Sonovate review.
FAQ
Got Capital or Sonovate: which is the better UK business finance provider in 2026?
Neither is better for every business. The 'When Got Capital may fit' and 'When Sonovate 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. Sonovate is a poor fit for product or e-commerce businesses. 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 Sonovate?
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 Sonovate 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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