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, LLPs and partnerships of 4+.
Start here · What do you need?
Close Brothers and Got Capital are closely matched on the FundBiz specialty panel. Close Brothers runs asset finance, invoice finance, commercial loans at £25k to £25m+ on bespoke, quoted at offer; Got Capital runs revenue-based business funding advance at £2k to £300k on 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 X wins" sections for the buyer-fit logic. If you want us to do the work, our eligibility checker takes two minutes and matches you against the UK specialty panel.
Source: FundBiz methodology, last reviewed 2026-05-08. Editorial by Best Business Loans Ltd (16833937).
Side-by-side
Full profiles: Close Brothers · Got Capital
| 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 | Same day to 48 hours |
| Soft search at quote | No (hard search) | Yes |
| Ltd-only? | No | No |
| Best for | Established SMEs needing asset or invoice finance; Print, transport, manufacturing, motor trade; Broker-introduced deals | Sole traders and partnerships needing fast cash; £5k+ monthly revenue businesses; Recently-trading SMEs (3 months+) |
| FundBiz panel view | Closely matched | Closely matched |
| Last reviewed | 2026-05-08 | 2026-05-08 |
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
- Accepts every UK business structure including sole traders.
- No personal guarantee in the standard advance structure.
- Three-month minimum trading bar, useful for newer businesses.
- Strong Trustpilot record vs category peers.
Best for
Sole traders and partnerships needing fast cash, £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.
- £100k+ advances require 12 months trading.
FAQ
Close Brothers or Got Capital: which is the better UK business finance provider in 2026?
Close Brothers and Got Capital are closely matched on the FundBiz specialty panel, 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 sole traders and partnerships needing fast cash. 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 between £25k to £25m+ at bespoke, quoted at offer, with a 5 to 14 business days decision window. Got Capital offers revenue-based business funding advance between £2k to £300k at factor fee, quoted at offer, with a same day to 48 hours decision window.
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 route, or run the eligibility checker and the matcher will surface the right shortlist from the FundBiz specialty panel.
Can FundBiz help me choose between Close Brothers and Got Capital?
Yes. We are independent of either lender. The FundBiz specialty panel covers MCA, asset finance, commercial mortgage, bridging, VAT loan, R&D advance and post-decline routes. Tell us ticket size, trading history, sector and any prior declines. We match you against the panel lenders most likely to approve, and if your file needs a post-decline route we surface that explicitly rather than burning credit-file footprint with repeated mainstream applications.
Am I eligible to apply via FundBiz?
FundBiz works with limited companies, LLPs and partnerships of 4 or more partners. Sole traders and partnerships under 4 partners are out of scope and routed elsewhere. Both Close Brothers and Got Capital sit on our panel for the entity types we serve. Trading history requirements vary by lender, so the matcher pre-screens before sending the file across.
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. The last-reviewed date is shown on every list. Inclusion is never paid for: FundBiz is paid by lenders on completed funding, not for a verdict, and commission never changes a position. See our full methodology.
Check eligibility in two minutes
Tell us ticket size, trading history and sector. We match you against the FundBiz specialty panel: MCA, asset finance, commercial mortgage, bridging, VAT loan, R&D advance and post-decline routes. Limited companies, LLPs and partnerships of 4+.
Check eligibility →Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-05-08. Editorial by Best Business Loans Ltd (16833937).