Reviews from Businesses like Yours
The UK catering and contract foodservice sector generates over £13 billion in annual revenue, serving more than 2 billion meals per year across workplaces, schools, healthcare settings, and events. For catering businesses, cash flow is under constant pressure — food and ingredients must be purchased and staff paid before clients settle invoices, which on commercial contracts can run to 30 or 60 days. A business funding advance gives catering businesses fast access to working capital, without a personal guarantee.
Catering Business Funding Advance
Got Capital provides unsecured business funding advances from £2,000 to £300,000 for catering companies, contract caterers, event catering businesses, and foodservice operators across the UK. A funding decision is made in as little as one hour, and the advance can be in your account within 24 hours — without requiring a personal guarantee.
Why Catering Businesses Need Flexible Funding
Catering is a high-revenue, low-margin sector where cash flow timing can make the difference between growth and stagnation. Food purchases, preparation staff, and equipment must all be committed upfront — for events, sometimes weeks or months before the event date. On commercial catering contracts, clients commonly pay on 30 or 60-day terms, creating a consistent gap between expenditure and income.
For event caterers, the challenge is acute around peak seasons. A summer of outdoor events, corporate functions, or weddings requires a significant food stock and staffing commitment well before invoices can be raised. Equipment — refrigerated transport, catering marquees, servingware — needs to be in place ahead of the season, not bought from the profits of it.
Contract caterers face a different but equally real challenge. Winning a new corporate or institutional contract is a growth milestone but it demands working capital before the first invoice is issued. Staff must be recruited and trained. Equipment must be in place. Food procurement arrangements must be established. All of this costs money before revenue flows.
£2,000 – £300,000
Available Funding
1-Hour Decision
Once All Documents Received
Funds in 24 Hours
Once Approved
No Personal Guarantee
Never Required
Common Uses for Catering Business Funding Advances
A Got Capital advance gives catering businesses the working capital to cover operational costs and pursue growth opportunities:
- Food, beverage, and consumable stock purchases ahead of events or contract cycles
- Staffing costs — kitchen staff, front-of-house, and event crew — ahead of invoice settlement
- Commercial kitchen equipment — ovens, refrigeration, and food preparation machinery
- Refrigerated transport and catering vehicles for mobile or event catering operations
- Servingware, crockery, linen, and event equipment for large-scale functions
- Bridging cash flow gaps on commercial contracts with 30 to 60-day payment terms
- Deposits and fit-out costs for new catering premises or commissary kitchens
- Marketing and tender support to win new corporate, education, or healthcare contracts
Fund Your Business in 3 Easy Steps
Fund Your Business in 3 Easy Steps
1
Submit your funding application below
2
Agree on an offer for business funding
3
Receive funds fast into your bank account
Working Capital Up To £300K
We work alongside all of our clients to ensure funding is deployed fast and when it is needed, helping to supporting long-term operational health and sustainable business growth.
No Personal Guarantee
You are not required to provide a personal guarantees to qualify for a business funding advance, so there is no need to risk your personal property when you are looking to grow your business.
Apply with Any Credit Score
We determine your eligibility for funding based on intelligent models developed by Got Capital; your credit score alone should never be a barrier to receiving the money that your business needs.
We determine your eligibility for funding based on intelligent models developed by Got Capital; your credit score alone should never be a barrier to receiving the money that your business needs.
Custom Payoff Plans
Should you no longer need funding, you may be eligible to return the remaining balance at a discounted rate, dependent on the condition of your account and repayments performance.
Am I Eligible?
✓ UK-registered business
✓ Minimum 3 months’ trading history
✓ Minimum £5,000 monthly revenue
✓ No personal guarantee required
✓ All credit histories considered — decisions based on business health
✓ Available to sole practitioners, small firms, and mid-sized practices
FREQUENTLY ASKED QUESTIONS (FAQs)
Yes — Got Capital provides business funding advances suited to catering companies, event caterers, contract foodservice operators, and mobile catering businesses. To qualify, your business needs to be UK-registered, have been trading for at least 3 months, and generate a minimum of £5,000 in monthly revenue. Decisions are based on your business health rather than your personal credit score, and no personal guarantee is required. Advances range from £2,000 to £300,000, with funds reaching your account within 24 hours.
Got Capital can issue a funding decision in as little as one hour. Once approved, funds are typically deposited into your business account within 24 hours. This is particularly useful for catering businesses committing to food purchasing, staffing, and equipment ahead of an event or new contract cycle. The advance is available before any invoices have been raised or settled.
Yes — committing to costs before income arrives is the core challenge for most catering businesses, and one of the most common reasons operators use a Got Capital advance. Staff must be booked and food purchased well ahead of any function or contract cycle, while client payment typically arrives on 30 to 60-day terms. Commercial kitchen equipment — ovens, refrigeration, and food preparation machinery — can also be funded through an advance. There are no restrictions on how the funds are deployed within your catering business.
A traditional bank loan is a credit agreement where interest accrues over the loan term and fixed monthly instalments are required regardless of your income. Got Capital’s advance works differently: a single, fixed factor fee is agreed upfront, so you know the total cost before you commit. There is no interest that accrues over time and no variable rate. You settle the advance as a proportion of your future revenue. No personal guarantee is required to secure the funding advance.
No. Got Capital does not require a personal guarantee from any business that takes an advance. A personal guarantee would make you personally liable for the advance if your business could not settle it — potentially putting your home and savings at risk. Got Capital’s advances are unsecured: your personal financial position is not used as security, and no personal assets are put at risk in order to secure the funding advance.
Yes — a Got Capital advance is specifically designed to work with businesses that have seasonal revenue patterns. Settlement is structured as a proportion of your future income. This makes a Got Capital advance well suited to event caterers and seasonal catering operations.
Yes. Many of the catering businesses funded by Got Capital have previously been declined by a high street bank. Banks assess applications primarily on credit scores, security, and rigid eligibility criteria that often disadvantage catering and foodservice businesses. Got Capital assesses the health of your business — your revenue, trading history, and operations. If your catering business generates at least £5,000 per month, has traded for at least 3 months, and is UK-registered, your application will be reviewed on its own merits. Previous bank declines are not a barrier.
Apply for Business Funding Today
Apply for Business Funding Today