Head to head
Close Brothers vs Got Capital: Which UK Business Finance Provider in 2026?
Independent, side by side. Rate, ticket band, decision speed and eligibility compared for UK limited companies and LLPs.
Start here · What do you need?
Close Brothers and Got Capital are closely matched in our reviews. Close Brothers offers asset finance, invoice finance, commercial loans (ticket range: £25k to £25m+; rate: Bespoke, quoted at offer); Got Capital offers revenue-based business funding advance (ticket range: £2k to £300k; rate: Factor fee, quoted at offer). The right answer depends on ticket size, trading history, sector and whether the file is post-decline. Read the side-by-side, then jump to the "When Close Brothers wins" and "When Got Capital wins" sections for the buyer-fit logic. If you want to talk it through, you can send an enquiry through FundBiz and a business finance broker will contact you about your options.
Source: FundBiz methodology. Editorial by Best Business Loans Ltd (16833937).
Close Brothers, at a glance
- Product
- Asset finance, invoice finance, commercial loans
- Ticket range
- £25k to £25m+
- Typical rate
- Bespoke, quoted at offer
- Decision time
- 5 to 14 business days
- FundBiz editorial view
- Closely matched overall; best for established SMEs needing asset or invoice finance
Got Capital, at a glance
- Product
- Revenue-based business funding advance
- Ticket range
- £2k to £300k
- Typical rate
- Factor fee, quoted at offer
- Decision time
- Funding in as little as 1 to 24 hours after approval
- FundBiz editorial view
- Closely matched overall; best for £5k+ monthly revenue businesses
Side-by-side
Full profiles: Close Brothers · Got Capital
| Compared on | Close Brothers | Got Capital |
|---|---|---|
| Product type | Asset finance, invoice finance, commercial loans | Revenue-based business funding advance |
| Ticket range | £25k to £25m+ | £2k to £300k |
| Typical rate | Bespoke, quoted at offer | Factor fee, quoted at offer |
| Decision time | 5 to 14 business days | Funding in as little as 1 to 24 hours after approval |
| Soft search at quote | No (hard search) | Yes |
| Ltd-only? | No | No |
Sources: Close Brothers's own site · Got Capital's own site. Figures change; confirm with the lender before you rely on one.
FundBiz enquiries are for limited companies, LLPs and partnerships with four or more partners. Some lenders on this page also accept other business types; we do not arrange those and do not recommend a lender on that basis.
When Close Brothers wins
- Genuine UK merchant bank with 145+ years of trading history.
- Multiple product lines under one underwriter (asset, invoice, commercial loans).
- Strong sector specialisms in print, transport, manufacturing and motor trade.
- PRA-regulated; FSCS deposit protection on linked savings products.
Best for
Established SMEs needing asset or invoice finance, Print, transport, manufacturing, motor trade, Broker-introduced deals.
Watch outs
- Broker-distributed, not self-serve.
- Headline rates not published; quoted at offer.
- Slower than fintech alternatives.
When Got Capital wins
- No personal guarantee in the standard advance structure.
- Three-month minimum trading bar, useful for newer businesses.
- Rated Excellent on Trustpilot: 4.6 out of 5 from 689 reviews (Trustpilot, checked 23 September 2026).
Best for
£5k+ monthly revenue businesses, Recently-trading SMEs (3 months+).
Watch outs
- Factor-fee quoting hides effective APR.
- Decisions tied to revenue history, not balance-sheet strength.
- Got Capital prefers 12 months of trading for advances above £100k.
FAQ
Close Brothers or Got Capital: which is the better UK business finance provider in 2026?
Close Brothers and Got Capital are closely matched in our reviews, so the right answer depends on what your file looks like. Close Brothers is the stronger pick for established SMEs needing asset or invoice finance, while Got Capital is the stronger pick for £5k+ monthly revenue businesses. Pick the right fit for your file rather than a headline winner. See our /methodology/ for how we assess each lender.
What does each product look like, Close Brothers vs Got Capital?
Close Brothers offers asset finance, invoice finance, commercial loans (ticket range: £25k to £25m+; rate: Bespoke, quoted at offer; decision time: 5 to 14 business days). Got Capital offers revenue-based business funding advance (ticket range: £2k to £300k; rate: Factor fee, quoted at offer; decision time: Funding in as little as 1 to 24 hours after approval).
Close Brothers runs a hard credit search at full application. Got Capital uses a soft search at quote. Verify live commercials before signing because lender pricing moves and bespoke rates are common above £100k tickets.
Which is weakest for what?
Close Brothers is the wrong answer for self-serve sub-£25k. Got Capital is the wrong answer for borrowers wanting fixed-term predictable APR. If either of those describes your file, look at the side-by-side table for the alternative, or read our other lender reviews.
Can FundBiz help with Close Brothers or Got Capital?
FundBiz is not a lender and is independent of both. This comparison and our lender reviews are editorial research to help you decide which to approach. FundBiz doesn't send enquiries to lenders. If you send an enquiry through FundBiz, we pass it to a business finance broker, who will contact you about your options.
Who can send an enquiry through FundBiz?
The FundBiz enquiry form is for limited companies, LLPs and partnerships with four or more partners. Eligibility for Close Brothers and Got Capital is set by each lender, and trading history requirements vary, so check each lender's own criteria.
Related comparisons
Other UK specialty finance head-to-heads involving Close Brothers or Got Capital:
How we ranked these lenders
Every lender is scored on the same four FundBiz criteria: pricing transparency, eligibility clarity, decision speed and treatment of declined applicants. Scores are our own desk-research assessment built from the FCA Register, Companies House filings and each lender's published product sheets, not customer reviews and not hands-on product testing. Each comparison shows the date it was last updated. Inclusion is never paid for, and FundBiz receives no commission from lenders. FundBiz is paid a fixed fee by a business finance broker for each enquiry we pass on. See our full methodology.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman. Last updated: . Editorial by Best Business Loans Ltd (16833937).