A business funding advance is a type of unsecured business finance where a lump sum is provided upfront, which is then settled through a pre-agreed fixed repayment fee.

Unlike a traditional bank loan, a business funding advance is not a credit agreement. There is no interest rate and no APR.

Got Capital provides funding advances to UK companies across almost all sectors and business types. Funding decisions are based on the health of your business — your trading history and revenue — not your personal credit score. No personal guarantee is required. Once approved, funds can reach your account in as little as one to 24 hours.

It is a straightforward, flexible way for UK businesses to access working capital quickly, without the complexity, delays, or personal risk associated with traditional bank lending.

A business funding advance and a bank loan are structurally different products — a bank loan is a credit agreement with a compounding interest rate, while a business funding advance is settled through a pre-agreed fixed repayment fee.

Bank loans typically require a strong credit history, substantial trading records, personal guarantees from directors, and lengthy application processes. Got Capital’s business funding advance requires none of this. Decisions are based on the health of your business, bad credit is accepted, no personal guarantee is required, and funds can be in your account within 24 hours of approval.

The cost of a business funding advance is calculated using a factor fee — a fixed multiplier applied to the amount you advance, confirming your total repayment amount before you sign anything.

There is no interest rate, no APR, and no compound charges.

The factor fee applied to your advance is determined by several risk factors: the amount you wish to advance, your monthly revenue, your trading history, and the sector your business operates in. Businesses with stronger, more consistent trading histories typically receive more favourable factor fees.

At Got Capital, there are no hidden charges, and no early repayment fees buried in the small print. The total cost is agreed and disclosed in full before you commit to anything. This transparency is one of the key differences between a business funding advance and more complex financial products, where the true cost can be obscured by variable interest rates and compounding fees.

In some cases a business funding advance carries a higher headline cost than a traditional bank loan — but for many UK businesses, the speed, flexibility, and accessibility make it the more practical and cost-effective choice overall.

A bank loan might appear cheaper when comparing headline rates, but that comparison rarely tells the full story. Bank loans typically involve arrangement fees, valuation costs, legal fees, and in many cases a personal guarantee that puts your personal assets at risk. The application process can take weeks or months, and approval is far from guaranteed — particularly for businesses with imperfect credit histories or limited trading records.

A business funding advance has a fixed, transparent factor fee agreed upfront. There are no hidden charges, no variable rates, and no penalty if your revenue fluctuates and settling the advance takes longer than anticipated. The cost is known before you sign.

For a business that needs funding quickly, has been declined by a bank, or cannot or does not want to provide a personal guarantee, the business funding advance is often the more accessible and lower-risk option in practice — even if its nominal cost appears higher than a traditional loan.

The true cost of any finance product includes the cost of waiting, the risk of rejection, and the personal liability involved. On all three counts, Got Capital compares favourably.

Got Capital provides business funding advances to UK businesses across almost all sectors and industries. Almost every UK business type is eligible to apply — including those that have previously been declined by traditional lenders.

Funding decisions are based on the health of your business, not the industry you operate in. As long as your business has been trading for a minimum of three months, generates at least £5,000 per month in revenue, and is registered in the UK, you are welcome to apply.

If you cannot see your specific sector listed on this page, it does not mean you are ineligible — scroll down and submit your application, and the Got Capital team will review it fast, every time.

Yes — Got Capital makes funding decisions based on the health of your business, not your personal credit score, which means bad credit does not automatically disqualify you from receiving a business funding advance.

Many UK business owners with poor personal credit histories have been funded by Got Capital. This is one of the most significant differences between a business funding advance and a traditional bank loan. Banks lean heavily on personal credit scores when making lending decisions. Got Capital looks primarily at your business performance — your monthly revenue, your trading history, and your ability to service the advance from your ongoing income.

A history of missed payments, a CCJ, or a previous business insolvency will not necessarily prevent you from being approved. What matters is whether your business is currently generating sufficient, consistent revenue to comfortably support the repayments. If it is, your personal credit history is far less relevant to the decision.

This approach opens up access to fast business funding for a large number of UK business owners who have been excluded from the traditional lending market through no fault of their current business performance.

Yes — sole traders are eligible to apply for a business funding advance with Got Capital, alongside limited companies and partnerships.

Got Capital accepts applications from all UK-registered business structures, including sole traders, limited companies, limited liability partnerships, and general partnerships. The business structure itself does not determine eligibility. What matters is that the business has been trading for a minimum of three months and generates at least £5,000 per month in revenue.

Sole traders are sometimes concerned that their personal and business finances are more intertwined than those of a limited company, and that this might affect their application. At Got Capital, the assessment focuses on the trading performance of the business rather than its legal structure. As with all applicants, no personal guarantee is required — meaning your personal assets are not at risk as a condition of receiving the advance.

If you operate as a sole trader and have been told by a bank that you do not qualify for business finance, it is worth applying to Got Capital. The eligibility criteria are significantly more accessible than those applied by traditional lenders.

Got Capital requires a minimum of three months of trading history to qualify for a business funding advance, making it accessible to relatively new businesses that would be turned away by traditional lenders.

For advances up to £100,000, a minimum of three months’ trading is required, though six months or more is preferred as it gives Got Capital a clearer picture of your business’s revenue performance. For advances above £100,000, a minimum of 12 months’ trading history is preferred.

This is notably more accessible than the requirements applied by most high street banks, which typically require two to three years of trading history and full sets of audited accounts before considering a business loan application. Many newer businesses find themselves in a frustrating position — too established to qualify for start-up grants, but not yet old enough to meet traditional lending criteria. Got Capital’s three-month minimum is designed to address exactly this gap.

If your business is relatively new but already generating consistent monthly revenue above £5,000, you are encouraged to apply. Trading history is one factor among several in the assessment — a strong revenue track record, even over a short period, carries significant weight.

The minimum monthly revenue required to qualify for a business funding advance with Got Capital is £5,000 per month.

This threshold exists because the advance is settled as a percentage of your ongoing revenue. Got Capital needs to be confident that your business generates sufficient, consistent income to comfortably service the repayments without placing undue strain on your cash flow. A monthly revenue of £5,000 broadly aligns with the minimum advance eligibility level.

It is worth noting that this is a minimum threshold, not a target. The more consistently your business generates revenue above this level, the stronger your application is likely to be — and the larger the advance you may be eligible for. Got Capital can provide business funding advances of between £2,000 and £300,000, with the amount offered based on your revenue performance, trading history, and the sector you operate in.

If your monthly revenue fluctuates — for example, if your business is seasonal — Got Capital will typically look at your average monthly revenue across your trading history rather than a single month’s figures. Seasonal businesses are eligible to apply.

Yes — being declined by your bank does not disqualify you from receiving a business funding advance with Got Capital, and many of the businesses Got Capital funds have previously been rejected by traditional lenders.

Bank lending decisions are based on a rigid set of criteria — credit scores, trading history length, profitability metrics, personal guarantees, and collateral — that exclude a large number of perfectly viable UK businesses. A bank rejection is a reflection of that institution’s risk appetite and criteria, not a definitive judgement on whether your business deserves funding.

Got Capital assesses your application differently. The focus is on the current health of your business — your monthly revenue, your recent trading performance, and your ability to service the advance from your income. A previous bank rejection, a CCJ, or a limited credit history will not automatically prevent approval.

Got Capital also does not require a personal guarantee, which is often the specific sticking point for business owners who have been declined elsewhere. If the reason for your bank rejection was an unwillingness to provide a personal guarantee, Got Capital removes that barrier entirely. The application takes minutes, and a decision is made fast.

No — Got Capital does not require a personal guarantee as a condition of receiving a business funding advance, which is one of the most significant advantages it offers over many other UK business finance providers.

A personal guarantee makes a director or business owner personally liable for settling the advance if the business is unable to do so. This means that personal assets — savings, property, and other personal finances — can be at risk if the business runs into difficulty. Many business owners are rightly reluctant to accept this level of personal exposure, particularly when the business itself is the entity taking on the funding.

Got Capital’s business funding advance is unsecured. No personal guarantee is required, and no personal assets are placed at risk as a condition of the advance. This is a fundamental part of how the product is structured, not an optional feature.

This stands in contrast to many of Got Capital’s competitors, including some of the most prominent names in UK business finance, where personal guarantees from directors are a standard requirement. For business owners who have been put off applying for funding because of the personal guarantee requirement, Got Capital offers a genuinely different and lower-risk alternative.

No — a Got Capital business funding advance is not secured against your personal assets, your property, or any business assets, making it a genuinely unsecured form of business finance.

Secured business finance products use assets — typically property, equipment, or vehicles — as collateral against the advance. If the business fails to repay, the lender can seize those assets to recover the debt. This creates a direct and significant financial risk, both to the business and to individuals who have provided personal assets as security.

Got Capital’s business funding advance requires no collateral of any kind. There is no charge placed on your home, no lien on your business assets, and no personal guarantee required from directors. The advance is made entirely on the basis of your business’s revenue performance and trading history.

This is one of the core reasons why UK business owners choose a business funding advance over more traditional finance products. The absence of personal or asset-based security means that even if your business faces difficulties, your personal financial situation and personal property remain protected. The risk sits with the business, not with the individual behind it.

Got Capital can typically get funds into your business account within one to 24 hours of approval — making it one of the fastest sources of business funding available to UK SMEs.

When a business needs cash urgently — to cover an unexpected bill, bridge a cash flow gap, pay suppliers, or seize a time-sensitive opportunity — waiting weeks for a traditional bank to process an application simply is not an option. Got Capital is built specifically for situations like this.

The application itself takes minutes to complete online. Once submitted, the Got Capital team reviews it quickly. If approved, a funding offer is made and, once the agreement is signed, funds are transferred directly to your business bank account.

There is no lengthy underwriting process, no requirement to submit years of accounts, and no waiting for committee decisions. The assessment is focused on your current business performance, which means decisions can be made and acted on at speed. If your business is generating at least £5,000 per month in revenue and has been trading for a minimum of three months, you can apply right now and receive a decision fast, every time.

The application for a Got Capital business funding advance takes just a few minutes to complete online, and a funding decision is typically made the same day.

The application process has been designed to be as straightforward as possible. You will be asked to provide basic information about your business — your trading name, business structure, monthly revenue, and how long you have been trading. There is no need to submit years of audited accounts, business plans, or lengthy financial projections.

Once your application is submitted, the Got Capital team reviews it promptly. If further information is needed, you will be contacted quickly. If approved, a funding offer detailing the advance amount and the agreed factor fee is presented for your review. Once you are happy with the terms and the agreement is signed, funds are transferred to your business bank account — typically within one to 24 hours.

The entire process, from starting your application to receiving funds, can be completed within a single working day in many cases. This is significantly faster than traditional bank lending, where application processes can take weeks and approval is far from guaranteed even after that wait.

To apply for a business funding advance with Got Capital, you will need to provide basic information about your business, including your trading history, monthly revenue, and business bank account details.

The application is deliberately straightforward. Unlike traditional bank loan applications, there is no requirement to submit audited accounts, business plans, cash flow forecasts, or detailed financial projections.

You will be asked to provide recent bank statements — typically the last three to six months — so that Got Capital can verify your revenue and trading consistency. This is standard practice and is used to ensure that the advance offered is appropriate for your business’s current financial position.

Got Capital’s decision is based on the health of your business, not your personal financial history.

Got Capital provides business funding advances of between £2,000 and £300,000, with the amount offered based on your monthly revenue, trading history, and business performance.

The amount offered is determined by the health and performance of your business — your monthly revenue, trading history, sector, and overall consistency of income. The stronger and more consistent your trading record, the more your business is likely to be eligible for.

The minimum advance available is £2,000, making it accessible for smaller businesses or those with more modest funding needs. The maximum is £300,000, which covers the requirements of the vast majority of UK SMEs seeking working capital, growth funding, or emergency cash injection.

If you are unsure how much your business might be eligible for, the best approach is to submit an application. Got Capital will assess your business performance and present you with an offer based on what your business can comfortably support. There is no obligation to accept the offer. Got Capital’s funding decision is based on the health of your business, not your personal credit score.

What makes this model straightforward is its predictability. Before the advance is made, the daily or weekly collection amount is agreed and clearly set out. The total amount you repay is fixed from the outset by the factor fee and does not change.

You know exactly what will be collected, and when. There are no surprises, no variable charges, and no end-of-month reconciliations to manage. There are no early repayment penalties – in fact, you may be eligible for an early repayment discount.

If your business circumstances change significantly during the settlement period, the collection amount can be reviewed. Got Capital’s approach is pragmatic — the goal is for the advance to work with your business, not against it.

The advance is simply settled from your ongoing revenue until the full agreed amount has been collected — at which point it is done. No residual obligation, no balloon payment, no administrative process to close.

In many cases, yes — Got Capital can consider a further advance before the first has been fully settled, depending on how much of the advance has been collected and current business performance.

This is sometimes referred to as a top-up advance. If your business has been consistently settling its current advance and your trading performance remains strong, Got Capital may be able to offer additional funding before the original advance is settled. This can be particularly useful for businesses that have used their initial advance productively and find themselves with a new growth opportunity or an unexpected funding need before the advance is fully settled.

Whether a further advance is available will depend on how much of the original advance has been settled, your current monthly revenue, and the overall health of your business at the point of application. There is no fixed rule — each case is assessed individually.

The best approach is to contact Got Capital directly to discuss your situation. The team reviews requests quickly, and if a further advance is appropriate, the process of agreeing and receiving the additional funds can be completed at the same speed as the original application.

A Got Capital business funding advance can be used for almost any legitimate business purpose, with very few restrictions on how the funds are deployed.

Common uses include: purchasing stock or inventory, covering payroll during a cash flow gap, investing in equipment or technology, funding a refurbishment or fit-out, paying a VAT or tax bill, bridging the gap between invoices and payments, launching a marketing campaign, hiring additional staff, or simply maintaining working capital during a slower trading period.

The advance is provided to support the ongoing needs of your business, and Got Capital does not stipulate how the funds must be used beyond the requirement that they are applied to legitimate business purposes. There is no requirement to justify or evidence how the money has been spent after the advance has been made.

The only meaningful restriction is that the funds must be used for business rather than personal purposes. Got Capital is a business finance provider — the advance is extended to your business and should be used in the operation or development of that business. Beyond this, the flexibility is genuinely broad, which is one of the reasons why business owners across so many different sectors choose a Got Capital advance over more prescriptive funding products.

Got Capital approves business funding advance applications based primarily on the health and performance of your business — specifically your monthly revenue, trading history, and business consistency — rather than on personal credit scores or the personal financial circumstances of the business owner.

The core eligibility criteria are: a minimum of three months’ trading history (six months preferred, 12 months preferred for advances above £100,000), a minimum monthly revenue of £5,000, and UK business registration. All business structures are accepted — limited companies, sole traders, and partnerships.

Beyond these minimum thresholds, the assessment looks at the consistency and trajectory of your revenue, the sector you operate in, and the overall picture of your business’s financial health as demonstrated by your bank statements and trading records. A business with strong, consistent monthly revenue will typically receive a more favourable offer than one with highly variable or declining income — but variability alone is not a reason for refusal.

Got Capital does not require a personal guarantee, does not base its decision primarily on personal credit scores, and does not require years of audited accounts. Businesses that have been declined by traditional lenders for any of these reasons are actively encouraged to apply. A decision is made fast, every time.