Head to head
Got Capital vs Haydock Finance: 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?
Got Capital and Haydock Finance are closely matched in our reviews. Got Capital offers revenue-based business funding advance (ticket range: £2k to £300k; rate: Factor fee, quoted at offer); Haydock Finance offers asset finance (hire purchase and lease) (ticket range: Not published; rate: 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 Got Capital wins" and "When Haydock Finance 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).
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
Haydock Finance, at a glance
- Product
- Asset finance (hire purchase and lease)
- Ticket range
- Not published
- Typical rate
- Quoted at offer
- Decision time
- Not published
- FundBiz editorial view
- Closely matched overall; best for hard-asset HP and lease
Side-by-side
Full profiles: Got Capital · Haydock Finance
| Compared on | Got Capital | Haydock Finance |
|---|---|---|
| Product type | Revenue-based business funding advance | Asset finance (hire purchase and lease) |
| Ticket range | £2k to £300k | Not published |
| Typical rate | Factor fee, quoted at offer | Quoted at offer |
| Decision time | Funding in as little as 1 to 24 hours after approval | Not published |
| Soft search at quote | Yes | No (hard search) |
| Ltd-only? | No | No |
Sources: Got Capital's own site · Haydock Finance'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 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.
When Haydock Finance wins
- Forty-plus years in asset finance; deep underwriting bench.
- Strong on hard assets: HGV, plant, manufacturing, agriculture.
- Refinance product unlocks equity in owned assets.
- Completed its fourth public securitisation in July 2026, according to its own news page, which adds funding capacity.
Best for
Hard-asset HP and lease, Asset refinance for cash release, Sub-prime to prime asset deals.
Watch outs
- No published rates; broker-distributed pricing.
- No retail unsecured business loans.
- Direct applicants typically routed to broker channel.
FAQ
Got Capital or Haydock Finance: which is the better UK business finance provider in 2026?
Got Capital and Haydock Finance are closely matched in our reviews, so the right answer depends on what your file looks like. Got Capital is the stronger pick for £5k+ monthly revenue businesses, while Haydock Finance is the stronger pick for hard-asset HP and lease. 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, Got Capital vs Haydock Finance?
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). Haydock Finance offers asset finance (hire purchase and lease) (ticket range: Not published; rate: Quoted at offer; decision time: Not published).
Got Capital uses a soft search at quote. Haydock Finance runs a hard credit search at full application. Verify live commercials before signing because lender pricing moves and bespoke rates are common above £100k tickets.
Which is weakest for what?
Got Capital is the wrong answer for borrowers wanting fixed-term predictable APR. Haydock Finance is the wrong answer for pure unsecured working capital. 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 Got Capital or Haydock Finance?
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 Got Capital and Haydock Finance 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 Got Capital or Haydock Finance:
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).