Alternatives to GapCap Invoice Finance
GapCap no longer seems to trade under its own name. Growth Lending says it bought GapCap in 2020. If you want to fund single invoices, as GapCap did, look at Hydr or Triver. If you want your whole sales ledger funded, look at Ultimate Finance or Bibby Financial Services.
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam was managing director of Penny, a UK invoice finance business, from July 2020 to November 2023. His career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library. Career record.
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What happened to GapCap?
GapCap let businesses fund the invoices they chose, without a contract covering every invoice. Growth Lending says on its website that it bought GapCap in 2020 and brought it under the Growth Lending name. The gapcap.co.uk website did not load when we tried it on 14 October 2026.
What the 4 alternatives publish
| Lender | Published minimum turnover | Paid up front | Source |
|---|---|---|---|
| Hydr | None published | Up to 100% per invoice | hydr.co.uk |
| Ultimate Finance | £600k | Up to 95% | ultimatefinance.co.uk |
| Bibby Financial Services | None published | Up to 95% | bibbyfinancialservices.com |
Figures as published on each lender's own website (each check is dated in our Rate Index). Most of these lenders do not publish their fees.
Triver is not in the table above, so here is what its own website says. It it funds invoices from £100 to £100,000, with a total limit of up to £1 million and a fee from 0.06% per day, about 1.8% on a 30-day invoice (triver.com, read 14 October 2026).
Which one to look at
- Hydr: You want to fund one invoice at a time. Hydr says its fee per invoice is fixed.
- Triver: You want to fund one invoice at a time. Triver says invoices from £100 to £100,000, with a fee from 0.06% per day.
- Ultimate Finance: You now want your whole sales ledger funded, not single invoices.
- Bibby Financial Services: You want your whole sales ledger funded by an independent lender.
How MarketInvoice works
MarketInvoice is not a lender. If you ask for quotes, we pass your details to one or more of the finance partners we work with, who come back to you with quotes, free of charge to you.
Alternatives to GapCap FAQ
Does GapCap still offer invoice finance?
Not under its own name, as far as we can tell. Growth Lending says on its website that it bought GapCap in 2020 and brought it under the Growth Lending name. The gapcap.co.uk website did not load when we tried it on 14 October 2026.
Which provider works most like GapCap did?
GapCap let you fund the invoices you chose, without a contract for your whole sales ledger. Hydr and Triver both work this way. Triver says it funds invoices from £100 to £100,000, with a fee from 0.06% per day (triver.com, read 14 October 2026).
What if I want my whole sales ledger funded?
Look at a whole-ledger lender such as Ultimate Finance or Bibby Financial Services. Neither publishes its fees, so get a quote from each and compare.
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