Got Capital is a London-based direct lender providing fast, unsecured business funding advances to UK businesses — funding thousands of businesses every year, with no personal guarantee required and decisions based on business performance rather than personal credit scores.

Unlike banks and traditional lenders, Got Capital does not offer loans. Instead, it provides business funding advances — a lump sum advanced to your business upfront, settled through an agreed collection from your ongoing revenue. There is no interest, no APR, and no fixed monthly repayments. The total cost is fixed from the outset by a factor fee, agreed and disclosed in full before you commit.

Got Capital funds businesses across almost every UK sector and business type, including many that have been turned away by traditional lenders. The minimum advance is £2,000 and the maximum is £300,000, with funding reaching business bank accounts in as little as one to 24 hours of approval.

Got Capital is a direct lender — it funds businesses from its own balance sheet, meaning there is no intermediary, no referral to a third party, and no additional fees layered in by a broker.

This matters for two reasons. First, it means Got Capital controls the entire process from application to funding — which is why decisions can be made and funds transferred within 24 hours. There is no third-party underwriter to wait for, no panel of lenders to approach, and no back-and-forth between parties. Second, it means the offer you receive comes directly from Got Capital, with complete transparency on the factor fee and repayment amount — no hidden broker margins or referral costs built into the pricing.

Got Capital funds thousands of UK businesses every year across almost every sector and business type, from sole traders and startups to established SMEs with significant monthly revenues.

The breadth of businesses Got Capital has worked with reflects the accessibility of the product. Because funding decisions are based on business performance rather than personal credit scores or years of trading history, Got Capital is able to say yes to businesses that traditional lenders routinely decline. Many of the businesses Got Capital funds have previously been turned away by their bank — and have gone on to use Got Capital advances multiple times as their business has grown.

Got Capital is based in London and operates as a direct lender to UK businesses, funding businesses across England, Scotland, Wales, and Northern Ireland.

As a direct lender with a dedicated team of funding specialists, Got Capital is structured to make fast decisions and move quickly — from application to funds in your account in as little as one to 24 hours. The team works directly with each applicant rather than routing applications through automated systems or third-party panels, which is one of the reasons Got Capital is consistently rated Excellent on both Trustpilot and Google.

Got Capital Ltd is incorporated in England and Wales, registered with the Information Commissioner’s Office, and rated Excellent on Trustpilot with a score of 4.8 out of 5 — one of the highest ratings among UK alternative business finance providers.

It operates as a direct financial provider offering responsible business financing products including business funding advances, purchase of future receivables, and royalty-based investment. These products are not short-term loans or consumer loans and are not regulated by the Financial Conduct Authority — which is standard for this category of business finance product.

Every advance Got Capital makes is assessed individually, offered transparently, and structured to work with your business rather than against it. No personal guarantee is required, and the full cost is agreed and disclosed before you sign anything.

Got Capital is rated Excellent with a score of 4.8 out of 5 on Trustpilot, and Excellent on Google Reviews, based on the experiences of thousands of UK business owners who have received funding.

Common themes in Got Capital’s reviews include the speed of the process, the clarity of the offer, and the quality of the team. Business owners frequently highlight the straightforwardness of the application, the absence of the personal guarantee requirement, and the professionalism of Got Capital’s funding specialists. Many reviewers note that they had been declined by their bank before approaching Got Capital, and were funded quickly and without complication.

Got Capital assigns a dedicated funding specialist to each client — meaning you deal with a real person who understands your business and your funding needs, rather than an automated system.

Got Capital stands out from other UK business finance providers because it is a direct lender, requires no personal guarantee, makes decisions based on business performance rather than personal credit scores, and can get funds into your account within 24 hours — all with a fixed, transparent factor fee and no hidden charges.

Many UK business finance providers — including some of the most prominent names in the market — require personal guarantees from directors, which puts your personal assets at risk. Got Capital does not. Many also operate as brokers or introducers, adding layers of cost and delay to the process. Got Capital funds directly from its own balance sheet, which is why the process is faster, the pricing is cleaner, and the experience is more straightforward.

For UK businesses that need funding quickly, have been declined elsewhere, or are not willing to put personal assets on the line, Got Capital offers a genuinely different and more accessible alternative to the mainstream market.

Yes — Got Capital uses cutting-edge technology to assess applications quickly and accurately, enabling funding decisions to be made and funds transferred within one to 24 hours of approval.

Rather than relying solely on manual underwriting processes — which can take days or weeks at traditional lenders — Got Capital’s technology assesses the health and performance of your business rapidly, using your trading history and revenue data to make a fast, informed decision. This technology-driven approach is one of the core reasons Got Capital is able to offer a genuinely fast funding process without compromising on the quality or accuracy of its assessments.

The technology works alongside Got Capital’s dedicated team of funding specialists and analysts, not instead of them — meaning speed and personalised service are delivered together rather than traded off against each other.

No — there is no obligation at any stage of the Got Capital application process. Applying does not commit you to anything, and receiving a funding offer does not require you to accept it.

The application takes a few minutes to complete and is entirely free. Once submitted, Got Capital’s team reviews it and, if your business meets the eligibility criteria, a funding offer is presented to you — detailing the advance amount, the factor fee, and the agreed repayment amount. You can review the offer at your own pace. If it works for you, you sign and funds are transferred. If it does not, you walk away with no cost and no penalties for your business.

This no-obligation approach is intentional. Got Capital’s view is that business funding should be a straightforward, pressure-free decision — and that means giving you the full picture before you commit to anything.

Yes — many of the businesses Got Capital funds return for further advances, and in some cases a top-up advance can be arranged before the first has been fully settled.

Got Capital works with businesses on an ongoing basis. If your first advance has been settled and your business is performing well, applying for a further advance is straightforward — the process is the same as your original application and, as an existing client, Got Capital already has a picture of your business’s trading history. If you are part-way through settling your current advance and have a new funding need, a top-up advance may be available depending on how much of the original advance has been collected and your current trading performance. Each case is assessed individually.

Many business owners who initially came to Got Capital in a moment of need — a cash flow gap, an unexpected bill, a time-sensitive opportunity — go on to use Got Capital advances as a regular part of how they manage and grow their business.

Applying for a Got Capital business funding advance takes just a few minutes — complete the online application form with your basic business details, and a dedicated funding specialist will review your application and come back to you fast.

The application requires basic information about your business — your trading name, business structure, monthly revenue, and how long you have been trading. There is no requirement to submit years of accounts, business plans, or lengthy financial projections. You will typically be asked to provide recent bank statements covering the last three to six months so Got Capital can verify your revenue and trading consistency.

Once your application is reviewed, if approved, a funding offer will be presented to you — detailing the advance amount, the factor fee, and the agreed collection amount. There is no obligation to accept. If you are happy with the terms and sign the agreement, funds are transferred to your business bank account — typically within one to 24 hours.

To be eligible for a Got Capital business funding advance, your business needs to have been trading for a minimum of three months, generate at least £5,000 per month in revenue, and be registered in the UK — no personal guarantee is required, and bad credit is accepted.

Got Capital accepts applications from all UK-registered business structures including sole traders, limited companies, limited liability partnerships, and general partnerships. Funding decisions are based on the health and performance of your business — your monthly revenue, trading history, and consistency of income — rather than on your personal credit score or the personal financial circumstances of the business owner.

For advances up to £100,000, three months minimum trading is required. For advances above £100,000, twelve months of trading history is preferred. The amount offered is determined by your business’s revenue performance, with advances available from £2,000 to £300,000.

A factor fee is the fixed cost of a business funding advance — a multiplier applied to the amount advanced that determines the total amount your business will repay, agreed and disclosed in full before you sign anything.

Unlike interest on a bank loan, a factor fee does not compound over time. The total cost is calculated once, upfront, and does not change regardless of how long the advance takes to settle. If your business repays the advance quickly, the factor fee stays the same. If it takes longer, it still stays the same. There are no variable charges, and no surprises.

The factor fee applied to any individual advance is determined by a number of risk factors including the amount advanced, your monthly revenue, your trading history, and the sector your business operates in. Businesses with stronger, more consistent trading records typically receive more favourable factor fees. Got Capital discloses the factor fee in full as part of the funding offer — before any commitment is made.