Alternatives to GapCap Invoice Finance
GapCap no longer exists as a standalone invoice finance provider: the selective invoice finance fintech, founded in 2014, was acquired by Growth Lending in 2020 and the brand was retired. If you used GapCap, or found it in an old article, the current UK providers doing what GapCap did are Hydr, Kriya and Triver for selective single-invoice funding, with Ultimate Finance and Bibby the step up to committed whole-ledger facilities. MarketInvoice quotes three best fits within 24 hours, free.
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.
Last reviewed: 20 July 2026
What happened to GapCap?
GapCap launched in 2014 as one of the first UK fintechs to offer genuinely selective invoice finance: fund the invoices you choose, no whole-ledger contract. In 2020 it was acquired by Growth Lending, which folded GapCap's selective product into its own SME funding range, and the GapCap name stopped being used for new business. The old gapcap.co.uk website is no longer online. The selective model it helped popularise is now mainstream, which is why several strong replacements exist.
Alternatives at a glance
| Provider | Summary | Best when |
|---|---|---|
| Hydr | UK fintech selective invoice finance with 100% advance on single invoices, a flat transparent fee, same-day digital onboarding and no whole-ledger contract. The closest current equivalent to what GapCap offered. | When you want the GapCap-style pick-an-invoice model with a simple flat fee. |
| Kriya | Formerly MarketFinance, now backed by Allica Bank. Pay-per-invoice selective funding with 1-day setup and API integrations, plus the option to scale into larger facilities. | When you want selective funding now but might need a bigger or committed facility later. |
| Triver | Fintech lender funding individual invoices in minutes using Open Banking and AI underwriting, up to a £400,000 facility, from 1.8% per 30 days with no contract. | When speed matters most and your funding need sits under £400k. |
| Ultimate Finance | Independent UK lender with whole-turnover facilities set up in around 3 working days. Cheaper per pound funded than per-invoice fintech pricing once you can commit to a facility. | When your selective usage has grown to the point a committed facility is cheaper. |
| Bibby Financial Services | The largest UK independent invoice finance provider, with sector-specialist underwriting across construction, recruitment and manufacturing and no fintech-style facility cap. | When you need sector-specialist underwriting or a larger whole-ledger facility. |
The 5 strongest alternatives
1.Hydr
UK fintech selective invoice finance with 100% advance on single invoices, a flat transparent fee, same-day digital onboarding and no whole-ledger contract. The closest current equivalent to what GapCap offered.
When to pick: When you want the GapCap-style pick-an-invoice model with a simple flat fee.
2.Kriya
Formerly MarketFinance, now backed by Allica Bank. Pay-per-invoice selective funding with 1-day setup and API integrations, plus the option to scale into larger facilities.
When to pick: When you want selective funding now but might need a bigger or committed facility later.
3.Triver
Fintech lender funding individual invoices in minutes using Open Banking and AI underwriting, up to a £400,000 facility, from 1.8% per 30 days with no contract.
When to pick: When speed matters most and your funding need sits under £400k.
4.Ultimate Finance
Independent UK lender with whole-turnover facilities set up in around 3 working days. Cheaper per pound funded than per-invoice fintech pricing once you can commit to a facility.
When to pick: When your selective usage has grown to the point a committed facility is cheaper.
5.Bibby Financial Services
The largest UK independent invoice finance provider, with sector-specialist underwriting across construction, recruitment and manufacturing and no fintech-style facility cap.
When to pick: When you need sector-specialist underwriting or a larger whole-ledger facility.
How MarketInvoice compares
MarketInvoice is not a lender. We are an independent whole-of-market comparison and routing service covering the active UK invoice finance providers, including every selective specialist above. Tell us your turnover, sector and debtor profile and we quote three best fits within 24 hours, free of charge.
Alternatives to GapCap FAQ
Does GapCap still offer invoice finance?
No, not under its own name. GapCap, the selective invoice finance fintech founded in 2014, was acquired by Growth Lending in 2020 and the standalone brand was retired. Its selective invoice finance product line continued inside Growth Lending, and the old GapCap website is no longer online.
What happened to GapCap?
GapCap was acquired by Growth Lending in 2020 after six years as an independent selective invoice finance provider. Existing clients were migrated into Growth Lending's funding products. Anyone searching for GapCap today is really choosing between the current UK selective invoice finance providers.
Which current provider is most like GapCap?
GapCap's model was selective: fund the invoices you choose, without a whole-ledger contract. The closest like-for-like providers today are Hydr (100% advance on single invoices, same-day setup), Kriya (selective or whole-turnover, fintech onboarding) and Triver (individual invoices funded in minutes using Open Banking). MarketInvoice can quote all three within 24 hours.
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How we make money: Market Invoice is an independent comparison service, not a lender. If you take a facility after we introduce you, the provider pays us a commission; you never pay us and it is never added to your costs. How we are funded.