Got Capital business funding review
Got Capital offers business funding advances. This guide explains the published funding structure, costs, eligibility and repayment obligations, including the terms to check in a written offer before deciding whether an advance suits your business.
By Funding Fred · Sources checked 18 September 2026
Our enquiry compares selected Funding Fred partners. It is not an application directly to Got Capital. Funding Fred is an introducer, not a lender.
Potential fit
Who could consider Got Capital?
- Established small businesses trading for a period with steady monthly revenue may fit the advance criteria Got Capital sets out.
- Business owners who want to compare a revenue-based advance against a traditional term loan before deciding which repayment structure suits their cash flow.
- Sectors with consistent card or bank turnover, since assessment leans on recent bank statements and trading performance rather than a credit score alone.
Worth weighing up
When to consider other options
- Businesses needing a fixed-term loan with predictable, unchanging monthly instalments rather than collections tied to revenue.
- Companies wanting to raise funds against a specific asset, where a secured facility might work differently, see secured business loans UK for how that structure is built.
- Firms that haven't yet reached the trading history or monthly revenue levels Got Capital expects, who may find a wider lending panel more accommodating.
Understand the offer
Costs and repayments
Got Capital's product is structured as an advance against future business revenue, not a conventional loan. The cost is expressed as a fixed factor fee agreed upfront, meaning the amount owed is set before funds are drawn, rather than accruing daily or monthly interest the way a term loan does.
Collections are then taken from ongoing revenue under agreed terms. The provider's own materials give conflicting figures for minimum advance amounts, so businesses should request the actual written offer rather than rely on any published minimum before comparing costs.
Early payoff discounts are referenced in the provider's marketing, but these may depend on account condition and payment performance. No discount, reduced cost, or "interest-free" outcome should be assumed, the fixed factor fee applies regardless of how the product is described.
Eligibility and application
Published criteria point to a minimum trading history, with a longer track record generally preferred for larger advances, plus a minimum level of monthly revenue that can vary by sector. Assessment reportedly draws on trading performance and recent bank statements rather than a credit score viewed in isolation.
The provider states no personal guarantee is required, though this should be confirmed directly with Got Capital in writing before proceeding, and review any other obligations in the agreement. Full current criteria are set out at gotcapital.co.uk.
Advantages to weigh up
- A fixed factor fee agreed before funds are advanced gives cost certainty at the outset rather than a variable rate that can move over time.
- Assessment considers current trading performance and bank statements, which may suit businesses with an imperfect credit history but steady revenue.
- No personal guarantee is advertised, though this should always be checked against the final written agreement before signing.
Limitations to understand
- Collections are tied to business revenue, so cash flow needs to support the repayment obligation even during quieter trading periods.
- Minimum trading history and monthly revenue thresholds mean newer or lower-turnover businesses may not qualify.
- Published figures on minimum advance amounts differ across the provider's own site, so written confirmation is essential before comparing this option against others.
Look at the wider picture
Comparing the alternatives
A revenue advance is only one way to fund a business, and it isn't directly comparable to a fixed-term loan, invoice finance, or an asset-backed agreement. Before agreeing to any factor fee, it's worth weighing the total repayment amount, the collection method, and how that maps against expected revenue. Broader context on how these structures differ can be found at business loans.
Because published minimums and discount terms can vary between offers, reviewing compare business loans UK and the wider business loans blog, alongside how secured lending works via secured business loans UK, helps set a like-for-like comparison rather than judging one advance offer in isolation. Full product details from the provider itself sit at gotcapital.co.uk.
Product features checked against each provider’s UK website. These are comparison pointers, not a price ranking or a promise of eligibility.
Your Got Capital questions, answered
Costs, eligibility and the details to check before applying.
How we put this guide together
This is a review of published UK product information, not a customer experience or a hands-on test. We have not assigned a star rating. This guide focuses on Got Capital — Business funding advances. Other products may have different terms.
Sources checked 18 September 2026. Your written offer determines your actual costs and conditions.
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