Got Capital Ltd provides business funding to UK SMEs, from £1K to £300K applications, through three advance products. It describes its products as royalty-based investment, purchase of future receivables and merchant cash advance, and says they are not short-term loans or consumer loans.
At a glance
- Product type
- Unsecured business loans
- Based in
- Borehamwood
- Company number
- 09073214
| Product | Amount | Term | How you repay |
|---|---|---|---|
| Short-Term Cash Advance | Not published | Not published | Not published |
| Working Capital Advance | Not published | Not published | Not published |
| Business Growth Advance | Not published | Short-to-medium term | Not published |
Figures are Got Capital’s own published terms, checked on . They can change, and what you are offered depends on your business: see Got Capital’s site for current terms.
Who is Got Capital?
Got Capital is a UK provider of unsecured business loans. The legal entity named on its site is Got Capital Ltd, company number 09073214. It is based in Borehamwood.
Got Capital Ltd is incorporated in England and Wales (company number 09073214) with a registered office at 5 Elstree Gate, Elstree Way, Borehamwood. The pages read give no founding date. It says it is a direct lender that funds businesses from its own balance sheet rather than acting as a broker. It says it is not authorised or regulated by the Financial Conduct Authority and that the Financial Ombudsman Service cannot consider complaints about it.
In its own words on scale:
- Says it funds thousands of UK businesses every year (statement on its site in October 2026).
Everything on this page comes from what Got Capital publishes itself. We show the date we last checked it, and we do not rate or rank lenders.
What does Got Capital offer?
Got Capital publishes 3 products for UK businesses. The table above gives the amounts and terms as it states them.
What does Got Capital fund?
Got Capital says its finance is used for:
- Cashflow fluctuations
- Working capital
- Business growth and expansion
- Short-term cash needs for early-stage businesses
- Taking opportunities as they arise
Who can apply to Got Capital?
Got Capital publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.
- Consistent minimum monthly revenue of £5K (higher for certain industries).
How do you apply to Got Capital?
Got Capital describes its process like this:
- Complete the online form with basic business details.
- A funding specialist reviews the application.
- Receive a funding offer if approved.
- Review and sign the agreement; it says there is no obligation to accept an offer.
- Funds are transferred to the business bank account.
Every application is subject to status and the lender’s own criteria at the time.
How it works: unsecured business loans
An unsecured business loan is a fixed sum repaid in instalments over an agreed term, without a charge over a specific asset. Most lenders still ask the directors for a personal guarantee, which makes them personally liable if the company cannot repay.
Lenders price each loan on the business’s trading history, turnover and credit profile, so the offer you receive can differ from the published range. Compare the total cost in pounds and the repayment pattern, not only the headline rate: our guide on how to compare business loan lenders shows how.
Points Got Capital publishes that are worth knowing:
- Not authorised or regulated by the FCA; the Financial Ombudsman Service cannot consider complaints about it.
- Products are described as royalty-based investment, purchase of future receivables and merchant cash advance, not loans.
- States a fixed repayment fee from the outset and no interest, on the broker page.
- Amounts advanced are subject to status and underwriting.
- Broker page says funding of up to £300,000 depending on sales revenue.
Security and guarantees
It says no personal guarantee and no collateral are required, and describes the advances as unsecured. It states a fixed repayment fee from the outset with no interest, so no compounding balance. Early repayment discounts may be available depending on account condition and balance.
Is Got Capital regulated?
Got Capital’s site states: “Got Capital Ltd is a direct financial provider. Got Capital Ltd is not authorised or regulated by the Financial Conduct Authority and the Financial Ombudsman Service will not be able to consider a complaint about Got Capital Ltd.”
Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.
What are the alternatives to Got Capital?
Other providers of unsecured business loans with profiles here include Kingsway Finance, LendingCrowd and Lenkie. Each profile uses that lender’s own published terms.
The full list, grouped by product type, is in our directory of UK business lenders.
Applying through a broker
Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.
Sources
- Home, Got Capital
- Brokers and ISOs, Got Capital
- Short-Term Cash Advance, Got Capital
- Working Capital Advance, Got Capital
- Business Growth Advance, Got Capital
Capzy is a credit broker, not a lender. We get paid by the lender. This page is general information, not financial, tax or legal advice. Finance is subject to status, lender criteria and affordability; rates and terms depend on your circumstances.