Lender review · Invoice and asset finance
GapCap
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 09080838
- Methodology Public
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.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
At a glance
- Product
- Invoice and asset finance
- Ticket size
- £25k to £1m
- Typical rate
- Quoted at offer
- Decision time
- 24 to 72 hours
- Soft search at quote
- No
- Limited companies only
- No
- FCA regulated
- No
- Companies House
- 09080838
- Founded
- 2014
Scores against our methodology
- Rate transparency3/5
- Eligibility clarity4/5
- Decision speed4/5
- Decline handling4/5
How GapCap works
GapCap operates as a invoice and asset finance provider in the UK SMB market. 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.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £25k to £1m band, decisions land within 24 to 72 hours, and the published rate range is Quoted at offer. A hard search may apply at quote stage; ask before you submit if credit-file footprint matters to you. Like most UK lenders to limited companies, the standard SMB lending sits outside the FCA perimeter.
Where GapCap fits best: single-invoice discounting, selective receivables finance, smes avoiding whole-turnover factoring. Where it does not fit: whole-turnover ledger management, sub-£25k tickets, rate-shopping borrowers.
Pricing examples
Worked examples using GapCap's published rate range (Quoted at offer). This lender prices by factor rate or bespoke quote, so we show the structure, not a worked APR.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | See lender quote | See lender quote |
| £50,000 | 36 months | See lender quote | See lender quote |
| £100,000 | 48 months | See lender quote | See lender quote |
Indicative only. Confirm on a GapCap quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: Whole-turnover ledger management; Sub-£25k tickets; Rate-shopping borrowers.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies and (in some cases) sole traders / partnerships.
- Best fit: Single-invoice discounting; Selective receivables finance; SMEs avoiding whole-turnover factoring.
Pros
- + 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.
Cons
- − No published pricing; quoted on a per-deal basis.
- − No material Trustpilot footprint.
- − Personal guarantee typically required.
Best for
- · Single-invoice discounting
- · Selective receivables finance
- · SMEs avoiding whole-turnover factoring
Weak at
- · Whole-turnover ledger management
- · Sub-£25k tickets
- · Rate-shopping borrowers
When to use GapCap
Use GapCap when
Your application matches the best-fit profile: single-invoice discounting, selective receivables finance, smes avoiding whole-turnover factoring. The published ticket range (£25k to £1m) covers your ask, the decision speed (24 to 72 hours) fits your cash-gap timeline, and the rate range (Quoted at offer) is acceptable to you given your credit profile.
Do not use GapCap when
Your profile sits in the weak-at list: whole-turnover ledger management, sub-£25k tickets, rate-shopping borrowers. GapCap will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using GapCap as a screen.
FAQs
What is the minimum trading time for GapCap?
GapCap typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does GapCap require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. GapCap is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For invoice and asset finance specifically, expect a PG to be requested.
How fast does GapCap fund?
GapCap quotes 24 to 72 hours for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from GapCap?
GapCap's published range is Quoted at offer. The headline number is rarely the offered number. Rate transparency on this lender scores 3/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if GapCap declines me?
If GapCap declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. GapCap scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via www.gapcap.co.uk, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just GapCap.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: www.gapcap.co.uk.