Got Capital Limited is a UK alternative finance provider established in 2018, specialising in revenue-based lending for small and medium enterprises. Their primary product is a merchant cash advance ideal for retail, hospitality, and e-commerce businesses that process card payments. This form of funding suits firms seeking short-term working capital without offering physical assets as security. For a broader understanding of alternative lending, review our alternative finance loans overview and the lenders directory.
Key Features of Got Capital
The lender offers a straightforward, digitally driven service with flexible repayment aligned to business performance. Several features focus on ease and clarity for eligible businesses.
- A fully digital application form that can be completed in under 10 minutes
- Automatic repayment collection via an API/portal link to major card processors for real-time tracking
- Dedicated relationship manager assigned to every account for support
- Option to apply for a top-up advance after repaying a set portion of the original fund
- Repayments automatically pause or reduce when business takings drop, aiding cash flow management (cash flow management)
Funding Eligibility
You may qualify for Got Capital finance if your business has at least 3 months (preferably 6 months) of trading history and consistent card sales around £5,000 per month. Eligible entities include UK-registered limited companies, partnerships, or sole traders. Certain sectors such as gambling and adult entertainment are excluded. For detailed qualification checks, see our business loan eligibility guide and tools like the business model overview.
Loan Options
Got Capital specialises in merchant cash advances, providing a single type of funding suited to businesses processing card payments. The product features flexible repayment terms that adjust with sales volume.
- Merchant Cash Advance: Loan amounts range from £5,000 to £300,000 with terms from 3 to 12 months. No traditional interest applies; costs are structured as a fixed factor fee between 1.10 and 1.45 of the advance. Repayments vary with card sales volume without collateral requirements.
How to Apply
The application process is entirely online with prompt decisions and clear documentation requirements. Expect a fast turnaround from application to funding.
- Submit a simple online application form backed by telephone or email support (application form)
- Provide required documents including recent card processing statements and identity verification (document checklist)
- Review of trading history and card sales; decision typically made within 24 hours of complete submission (decision support tools)
- Upon approval, funding is released to your bank account within 24 to 48 hours, followed by an agreement signing stage
Funding Agent’s view on Got Capital
Got Capital offers a niche service tailored to card-based retailers, restaurants, and e-commerce ventures needing short-term capital quickly. Its revenue-based repayment model suits businesses with fluctuating sales but may impose cash flow pressure during slow periods. The lack of FCA consumer credit regulation means lower legal protections. For those outside the card payments model or seeking long-term finance, alternatives are advised. Use our business loan calculator and eligibility checks to consider suitability and compare with other options.
