GapCap
London-based independent running selective invoice finance, single-invoice discounting and short-term receivables purchase for UK SMEs. Pitched at borrowers who want one-off cash advances against named debtors without committing to whole-turnover factoring. Direct lender, broker-introduced too.
Quick verdict
- Product: Invoice and asset finance.
- Ticket band: £25k to £1m.
- Pricing: Quoted at offer.
At a glance
GapCap, at a glance
- Legal entity
- GapCap Limited
- Companies House
- 09080838
- Founded
- 2014
- Product
- Invoice and asset finance
- Ticket range
- £25k to £1m
- Decision time
- 24 to 72 hours
- Ltd-only
- No, the lender also accepts other structures
Where GapCap is strong
- Selective and single-invoice options for one-off cash gaps.
- No long-term contract on selective deals.
- Direct underwriter relationship.
- Faster onboarding than mainstream factors.
Watch-outs, and when another lender may suit better
- No published pricing; quoted on a per-deal basis.
- No material Trustpilot footprint.
- Personal guarantee typically required.
Best fit applicants
- Single-invoice discounting
- Selective receivables finance
- SMEs avoiding whole-turnover factoring
Where GapCap is the wrong fit
- Whole-turnover ledger management
- Sub-£25k tickets
- Rate-shopping borrowers
If declined by GapCap
If your application to GapCap is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate GapCap
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through GapCap?
GapCap offers invoice and asset finance. Ticket range: £25k to £1m. Typical rate: Quoted at offer.
How long does GapCap take to decide?
24 to 72 hours
Who is GapCap the best fit for?
First on the list: Single-invoice discounting. The full list is under Best fit applicants above.
When might another lender suit better than GapCap?
First on the list: Whole-turnover ledger management. The other cases are under Where GapCap is the wrong fit above.
Send an enquiry
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Send an enquiry →Official site: GapCap
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.