DF Capital Invoice Finance
DF Capital is a UK bank. It offers invoice finance as one of its structured finance products, advancing up to 90% of the value of your unpaid invoices, and you can choose which invoices to finance. It does not publish its fees, a minimum turnover or a minimum facility size.
What this page covers
This page covers
What DF Capital publishes about its invoice finance, its other business lending, and lenders to compare it with
Not covered here
General invoice finance education (see /guides/), sector pages (see /industries/), the full provider directory (see /providers/)
Key Facts
What DF Capital offers
DF Capital's business lending pages list two areas: inventory finance, which funds stock for dealers and manufacturers, and structured finance, which has four products:
- Invoice finance: up to 90% of the value of your unpaid invoices, and you choose which invoices to finance.
- Stock flow finance: up to 90% of the value of serialised stock, which it says also suits hire or rental fleets.
- Business purpose loans: secured on fixed assets such as property, up to 80% of their value.
- VAT loans: for existing customers, to spread a quarterly VAT bill over three monthly payments.
DF Capital Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA (firm reference 848291). Its parent company is Distribution Finance Capital Holdings plc. It says its commercial lending products are not regulated.
Sources: DF Capital structured finance page and business lending page, read 14 Oct 2026.
Who it suits
DF Capital is worth asking if you hold a lot of stock as well as unpaid invoices, or if you want to choose which invoices to fund rather than hand over your whole sales ledger. Because it publishes no fees or minimum, ask for a written quote and compare it with other lenders on the same figures.
How DF Capital compares
These lenders publish their minimum turnover and advance rate. IGF also lends against stock; Hydr funds single invoices.
| Lender | Published minimum turnover | Paid up front | Source |
|---|---|---|---|
| Close Brothers Invoice Finance | £750k | Up to 90% | closeinvoice.co.uk |
| Aldermore Invoice Finance | £750k | Up to 90% | aldermore.co.uk |
| IGF (Independent Growth Finance) | £5m | Up to 90% (receivables); stock up to 85%, plant up to 75% | igfgroup.com |
| Hydr | No minimum | Up to 100% per invoice | hydr.co.uk |
Figures as published on each lender's own website, checked 14 October 2026. Most of these lenders do not publish their fees.
Questions to ask before you sign
- What share of each invoice will you advance for my customers?
- What are the fees, and is there a minimum monthly charge?
- Is there a minimum term or a notice period to leave?
- What security will you take, and will directors need to give personal guarantees?
Official site: DF Capital
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.
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