Verified Company
Our experience with GOT Capital has been Abysmal
Our experience with GOT Capital has been extremely disappointing.
We obtained business finance of £4,750. We were told that over £7,800 was repayable, and we have already paid £3,227. We subsequently received a County Court judgment for £4,965.11, which we are currently applying to have set aside.
A major concern for us is that we have not been provided with a loan agreement setting out clearly the terms, interest and charges that form the basis of the amount being claimed. We also tried to make arrangements to pay them back and they took us to court behind our backs. This subsequently led to us obtaining a CCJ and loss of further opportunities. We are therefore challenging the amount claimed through the proper legal process.
Despite our application having been issued to the court, GOT Capital proceeded with enforcement of the judgment and instructed bailiffs, who attended our business premises to try and shut us down. They are deliberately acting without authority. We are sharing our experience so that other businesses considering finance from GOT Capital make sure they fully understand the repayment terms, interest and charges, and obtain a complete copy of all contractual documentation before proceeding.
Also understand what you are getting into or stay clear of them.
Unfortunately, the customer service has also been abysmal. We have found communication to be extremely disappointing, with our concerns and requests for clarification not being handled in a way we would expect from a financial company dealing with a business customer. This has made an already difficult situation considerably more stressful. We have had representatives scream down the phoneline and threaten.
We hope GOT Capital will address these concerns and provide greater transparency to business customers.
Reply from Got Capital
2026.09.02
Hi there,
Thanks for your message. We have investigated this case; please allow us to address and clarify certain points raised (as they materially misrepresent the facts and figures surrounding your account).
All clients, including yourself, receive full terms and repayment schedules upfront, confirmed via email, phone, and recorded video calls. Repayments are always fixed, with no compounding interest.
We work closely with business owners through challenging periods to set up affordable payment plans, but this requires ongoing communication. Escalation only occurs if mandates are cancelled and communication stops, and even then, it can be reversed once productive dialogue resumes. The key aspect of this though, is a willingness to communicate and engage. It must be mentioned that the timeline of events you have mentioned is both erroneous and misleading.
So to be explicitly clear: only when mandates are cancelled and clients cease constructive communication with our team (following exhaustive attempts) - and/or fraud is detected - would an account be escalated.
It is also important to state that we are committed to treating each and every client equally, fairly and without prejudice - and that will never change.
Best regards,
GC Team
Thanks for your message. We have investigated this case; please allow us to address and clarify certain points raised (as they materially misrepresent the facts and figures surrounding your account).
All clients, including yourself, receive full terms and repayment schedules upfront, confirmed via email, phone, and recorded video calls. Repayments are always fixed, with no compounding interest.
We work closely with business owners through challenging periods to set up affordable payment plans, but this requires ongoing communication. Escalation only occurs if mandates are cancelled and communication stops, and even then, it can be reversed once productive dialogue resumes. The key aspect of this though, is a willingness to communicate and engage. It must be mentioned that the timeline of events you have mentioned is both erroneous and misleading.
So to be explicitly clear: only when mandates are cancelled and clients cease constructive communication with our team (following exhaustive attempts) - and/or fraud is detected - would an account be escalated.
It is also important to state that we are committed to treating each and every client equally, fairly and without prejudice - and that will never change.
Best regards,
GC Team
Un immense merci à Guillaume de Ouicap pour son professionnalisme et son efficacité ! Du début à la fin, il a été disponible, réactif et à l'écoute. Le décaissement des fonds s'est déroulé rapidement, avec un excellent suivi et une transparence irréprochable. C'est rare de tomber sur quelqu'un d'aussi investi et compétent.
Je recommande Guillaume les yeux fermés à toute personne recherchant un accompagnement sérieux et de confiance. Encore merci pour votre travail et votre implication, c'était un vrai plaisir de collaborer avec vous. 5 étoiles largement méritées !
Very fast and excellent service of Got Capital.Specially Anthony was really professional during whole process to complete the deal.Wish him all the best.
Reply from Got Capital
2026.08.20
Hey Ahmed, thanks a bunch for your excellent feedback about our SME Specialist Anthony and your experience working alongside the Got Capital Business Funding Team! 🤩
Very easy and straightforward to work with also very quick in getting things done in responses and working out what works best, Tamzin was very on it and nice to deal with..
Reply from Got Capital
2026.08.17
Hey Martin, thank you for your top-notch feedback about working with Tamzin and the Got Capital Business Funding Team! 🙏
Luca has been really helpful from start to finish.
I have now used this company 3 times for short term loans and they are brilliant.
Thanks Again... 👍
Reply from Got Capital
2026.08.13
Hey Steve, so good to hear that Luca and the Got Capital Team have been able to support your company's cashflow needs with our business funding advances! 🙏
