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 routing verdict
- Product: Invoice and asset finance.
- Ticket band: £25k to £1m.
- Decision time: 24 to 72 hours.
- Pricing: Quoted at offer.
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
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-05-08
Why we route here
- 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.
When we route elsewhere
- 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, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our GapCap decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + 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.
Run the matcher
Tell us your turnover, sector and ticket size. We score against GapCap and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-08. By Oliver Mackman.