Got Capital
- Company typePrivate
- Founded2007
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingServices
Got Capital firmographics
Firmographics- Name
- Got Capital
- Legal name
- Got Capital Ltd
- Website
- https://gotcapital.co.uk
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Got Capital industry classification
Industry- Product category
- Alternative SME Lending
- NAICS
- Sales Financing (52222)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- SME Term Loans & Growth Capital (FSAKAGAB)
- akta.pro secondary industry
- Private Credit / Direct Lending (FSAAAHAG)
Keywords
Where Got Capital is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Got Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Business Funding Advances: Got Capital provides unsecured business funding advances ranging from £2,000 to £300,000. Repayment is structured as a pre-agreed fixed amount collected from ongoing revenue. The total cost is determined by a fixed factor fee (multiplier) agreed upfront. No interest, no APR, no compounding balance. The advance is settled as a percentage of future sales revenue until the full agreed amount is collected. Early repayment discounts may be available.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Business Funding Advance: £2,000 - £300,000 with fixed factor fee |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Got Capital product offering
Product offeringCore offering
Got Capital is a UK direct lender providing unsecured business funding advances ranging from £2,000 to £300,000 to small and medium-sized enterprises. The product is structured as a royalty-based investment where funds are advanced in exchange for a fixed pre-agreed factor fee (multiplier), with repayment collected as a percentage of the borrower's future sales revenue. No interest, no APR, no compounding balance, and no personal guarantee are required.
Product overview
Got Capital is an alternative UK lender providing unsecured business funding advances to UK SMEs. The core product is a Royalty-Based Investment model where funds are advanced in exchange for a fixed royalty payment from future revenue. The company offers three main funding products: Short-Term Cash Advance (for early-stage businesses with credit challenges), Working Capital Advance (for companies with £10k+ monthly revenue), and Business Growth Advance (for companies with £20k+ seeking growth funding). All products provide £2,000 to £300,000 with no personal guarantee, fast decisions within 24 hours, and repayment structured as a percentage of future revenue using a fixed factor fee. The company also provides a broker/introducer platform with API access for partner integration.
Differentiator
Problem solved
Functional benefit
Products and services
- Short-Term Cash Advance Unsecured business funding advance from £2,000 to £300,000 designed for early-stage UK businesses and companies with low credit or County Court Judgments. Provides fast funding within 24 hours, with no personal guarantee required and repayment structured as a percentage of future revenue via a fixed factor fee.
- Working Capital Advance Unsecured business funding advance from £2,000 to £300,000 for UK companies with monthly revenues of £10,000 or more. Suited to managing cash flow fluctuations or taking advantage of business opportunities, with no personal guarantee required and fast funding within 24 hours.
- Business Growth Advance Unsecured business funding advance from £2,000 to £300,000 for UK companies with monthly revenues of £20,000 or more seeking short-to-medium term funding for growth projects. Repayment is flexible, based on a percentage of future revenue, with a fixed factor fee and no personal guarantee required.
- API Integration for Partners REST API that allows signed-up broker and introducer partners to submit funding applications programmatically, test in a sandbox environment, and go live with tenant-scoped production credentials. Uses OAuth 2.0 client credentials flow for authentication. Documentation available at docs.brokerage.gotcapital.co.uk.
Quantifiable outcome
- Funding decisions can be made within 1 hour, with funds in business accounts within 24 hours of approval
Companies that use Got Capital
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles2 records
Got Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability2 records
Feature1 record
Got Capital partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered supporting and core.
- SalesforcesupportingSalesforce is listed as a third-party partner for customer relationship management and data handling purposes. Used for CRM systems and customer communication management.
- GooglesupportingGoogle is referenced as a third-party partner, likely for analytics, advertising, or business productivity tools as part of Got Capital's technology infrastructure.
- AdobesupportingAdobe is listed as a third-party partner, potentially for marketing automation, document management, or creative tools.
- TitansupportingTitan is referenced as a third-party partner for customer communication tools, likely email marketing or engagement platforms.
- DirectID/AttocoreDirectID/Atto provides bank account verification and identity verification services, essential for assessing business trading history and revenue data during the underwriting process.
- GoCardlesscoreGoCardless is used for payment processing and direct debit collection of repayments, enabling the revenue-share repayment model where advances are settled as a percentage of future sales.
- UnnaxsupportingUnnax provides open banking and financial data aggregation services, supporting the business health assessment process.
- QuickBookssupportingQuickBooks integration allows for financial data import and business performance verification during the underwriting process.
- MoneyThumbsupportingMoneyThumb provides bank statement conversion and analysis tools, enabling verification of revenue and trading consistency from bank statements.
- CreditsafecoreCreditsafe provides business credit reports and credit risk assessment data used in the underwriting and eligibility determination process.
- CIFAScoreCIFAS is the UK's fraud prevention service, used for identity verification and fraud prevention during the application process.
- Xalber ([email protected])coreXalber is referenced as the development partner for API integration support. Brokers seeking production API credentials contact [email protected]. Xalber provides technical support for sandbox and production API access.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
Got Capital competitors and assessment
Company assessmentDirect peers
- Uncapped: Revenue-based finance provider offering non-dilutive funding to UK and European founders and SMEs, with repayments tied to a share of monthly revenue. Comparable to Got Capital on the royalty-style structure, founder/SME target, and emphasis on speed and accessibility.
- iwoca: UK-based alternative lender providing short-term flexible financing to SMEs, ranging from a few thousand to several hundred thousand pounds, with rapid online decisions. Directly comparable to Got Capital on product (SME working capital advances), underwriting (cash-flow based), and target customer (UK SMEs underserved by banks).
- YouLend: UK and European revenue-based finance provider delivering capital advances to SMEs and e-commerce businesses, repaid via a share of future sales. Comparable to Got Capital on the revenue-share repayment model, technology-led underwriting, and multi-channel partner distribution.
- Liberis: Revenue-based finance provider serving UK and global SMEs with advances repaid via a fixed percentage of card takings, distributed through partner integrations. Comparable to Got Capital on the revenue-share product, partner-led GTM, and SME focus.
- Boost Capital: UK-based alternative funder providing merchant cash advances and unsecured working capital to SMEs, typically repaid via a fixed percentage of daily card sales. Directly comparable to Got Capital on product type, target borrower, and UK-only reach.
- Capify: UK merchant cash advance provider offering unsecured funding to SMEs repaid as a percentage of card sales. Closely comparable to Got Capital on the royalty/MCA structure, target SME segment, and UK-only distribution.
- 365 Finance: UK alternative lender providing unsecured working capital and cash advances to SMEs, distributed in part through broker partners. Comparable to Got Capital on the small-ticket unsecured advance product, broker channel, and UK SME focus.
Emerging players
- ClearCo: Revenue-based finance provider offering funding to e-commerce and SaaS businesses repaid as a share of revenue. Comparable to Got Capital on the revenue-share product model and tech-enabled underwriting, though its focus on higher-growth online brands differs from Got Capital's broad SME orientation.
Broad incumbents
- Funding Circle: UK-listed (now taken private) SME lending platform offering term loans and business funding through both institutional capital and a broker network. Comparable as a broader UK SME lender that overlaps with Got Capital on small-business working capital, though it serves a wider credit spectrum and product range.
- Square (Block) Capital: Square's embedded lending arm offers merchant cash advances to small businesses, repaid as a share of card processing volume. Comparable to Got Capital on the card-sales-tied MCA product and SME target, though Square is a much larger payments incumbent with global scale.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Got Capital compliance and trust
Trust signalCompliance1 record
Got Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Got Capital leadership team
Management profileNumber of profiles
Got Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Got Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Got Capital
What does Got Capital do?
Got Capital is a UK direct lender providing unsecured business funding advances ranging from £2,000 to £300,000 to small and medium-sized enterprises. The product is structured as a royalty-based investment where funds are advanced in exchange for a fixed pre-agreed factor fee (multiplier), with repayment collected as a percentage of the borrower's future sales revenue. No interest, no APR, no compounding balance, and no personal guarantee are required.
Is Got Capital a public or private company?
Got Capital is a private company. It is classified as unknown and is currently operating.
When was Got Capital founded?
Got Capital was founded in 2007. It employs 11 to 50 people.
Where is Got Capital based?
Got Capital is headquartered in London, United Kingdom, in the Europe region.
How does Got Capital make money?
One revenue line is on record: business Funding Advances.
Who are Got Capital's main competitors?
Direct peers on record are Uncapped, iwoca, YouLend, Liberis, Boost Capital, Capify and 365 Finance. ClearCo is listed as an emerging player. Broad incumbents are Funding Circle and Square (Block) Capital.
Does Got Capital have an API?
Yes. Got Capital offers an API integration for brokers and introducers. The API uses OAuth 2.0 client credentials flow for authentication. Access requires becoming a signed-up partner of Got Capital. The integration process involves: 1) Business verification and integration request, 2) Sandbox testing with credentials (client_id, client_secret, Sandbox base URL), 3) Production credential issuance after sandbox validation, and 4) Go-live with production test submission. Production credentials are tenant-scoped and enabled for live submissions only. Developer documentation is at docs.brokerage.gotcapital.co.uk/uk/brokerage-api/docs.
What industry is Got Capital in?
Got Capital's product category is Alternative SME Lending. Its primary akta.pro industry code is FSAKAGAB, SME Term Loans & Growth Capital, with a secondary code of FSAAAHAG, Private Credit / Direct Lending. Its NAICS code is 52222 and its SIC code is 6159.