Head to head
Got Capital vs Starling Bank: 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?
Starling Bank is the stronger all-round pick in our reviews, but Got Capital wins on specific files. Starling Bank offers business banking; loans shown in the Starling app are provided by iwoca (ticket range: Set by iwoca (Starling doesn't offer its own business loans); rate: Set by iwoca); 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 and sector. Got Capital beats Starling Bank for £5k+ monthly revenue businesses. Read the side-by-side, then jump to the "When Starling Bank wins" and "When Got Capital wins" sections for the buyer-fit logic.
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
- Wins on specific files; best for £5k+ monthly revenue businesses
Starling Bank, at a glance
- Product
- Business banking; loans shown in the Starling app are provided by iwoca
- Ticket range
- Set by iwoca (Starling doesn't offer its own business loans)
- Typical rate
- Set by iwoca
- Decision time
- Set by iwoca
- FundBiz editorial view
- Stronger all-round; best for existing Starling business customers who want to see an iwoca offer inside their banking app
Side-by-side
Full profiles: Got Capital · Starling Bank
| Compared on | Got Capital | Starling Bank |
|---|---|---|
| Product type | Revenue-based business funding advance | Business banking; loans shown in the Starling app are provided by iwoca |
| Ticket range | £2k to £300k | Set by iwoca (Starling doesn't offer its own business loans) |
| Typical rate | Factor fee, quoted at offer | Set by iwoca |
| Decision time | Funding in as little as 1 to 24 hours after approval | Set by iwoca |
| Soft search at quote | Yes | Yes |
| Ltd-only? | No | Yes |
Sources: Got Capital's own site · Starling Bank'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 Starling Bank wins
- Loan offers can appear inside the existing Starling business app for eligible customers.
- PRA and FCA authorised; FSCS-protected deposits.
- iwoca, the lender behind the in-app loans, says it only runs soft credit checks when you apply.
Best for
Existing Starling business customers who want to see an iwoca offer inside their banking app.
Watch outs
- Starling doesn't lend its own business loans, so there's no Starling rate or criteria to compare.
- The in-app route is for Starling business customers only; others can apply to iwoca directly.
FAQ
Got Capital or Starling Bank: which is the better UK business finance provider in 2026?
Starling Bank is our stronger all-round pick in our reviews, but the right answer depends on what your file looks like. Got Capital is the stronger pick for £5k+ monthly revenue businesses, while Starling Bank is the stronger pick for existing Starling business customers who want to see an iwoca offer inside their banking app. If your file sits in one of those buckets, pick the right fit rather than the headline. See our /methodology/ for how we assess each lender.
What does each product look like, Got Capital vs Starling Bank?
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). Starling Bank offers business banking; loans shown in the Starling app are provided by iwoca (ticket range: Set by iwoca (Starling doesn't offer its own business loans); rate: Set by iwoca; decision time: Set by iwoca).
Got Capital uses a soft search at quote. Starling Bank 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?
Got Capital is the wrong answer for borrowers wanting fixed-term predictable APR. Starling Bank is the wrong answer for borrowers banking elsewhere. 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 Starling Bank?
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 Starling Bank 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 Starling Bank:
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).