Business Loans
Fixed-term funding with clear monthly repayments for planned investment.
Typical use
Growth, refinancing, large purchases
Learn moreUK Direct Private Lender
Fast, flexible business funding from a direct private lender.
Access funding from £25,000 to £5,000,000 for your business. GDCapital provides fast, flexible capital solutions for UK SMEs, with decisions made quickly and funding available in as little as 24 hours.
- Direct private lender
- Funding from £25k to £5m
- Decisions in 24 hours
- Flexible repayment structures
- No obligation to proceed
- Built for UK SMEs
£25k–£5m funding
Decisions in 24 hours
Direct private lender
Built for UK SMEs
Flexible repayment structures
No obligation to proceed
Human underwriting
Fast execution
£25k–£5m funding
Decisions in 24 hours
Direct private lender
Built for UK SMEs
Flexible repayment structures
No obligation to proceed
Human underwriting
Fast execution
£25k–£5m
Facility size
Per-business funding range
24h
Indicative funding speed
Subject to underwriting
100%
Direct private capital
We lend our own balance sheet
9–18%
Indicative pricing range
Priced to risk and structure
Indicative figures only. Actual terms depend on trading history, affordability and risk profile.
Why GDCapital
A lender that works the way business owners do.
We look beyond basic tick-box lending. Our team reviews your business, trading history and funding requirement to structure a facility that makes commercial sense.
Direct access to capital
We lend our own capital. No brokers, no hand-offs, no waiting for a third party to make a decision.
Fast decisions
Most applications receive an indicative response within hours. Funding can be released in as little as 24 hours, subject to underwriting.
Flexible terms
Daily, weekly or monthly repayments structured around your revenue, cash flow and trading cycle.
Human underwriting
Real underwriters review your business, not just a credit score. We look at trading history, performance and direction.
Clear process
Transparent steps, plain-English documents, and a named point of contact from enquiry through to drawdown.
Built around your business
We look beyond basic tick-box lending and structure a facility that makes commercial sense for your business.
Funding products
Capital solutions, structured properly.
A range of funding products from £25,000 to £5,000,000 — chosen and structured to fit your business.
Merchant Cash Advance
Repay as a small percentage of daily card sales — flexes with your revenue.
Typical use
Retail, hospitality, e-commerce
Learn moreWorking Capital Finance
Smooth day-to-day cash flow without disrupting operations.
Typical use
Payroll, suppliers, seasonal gaps
Learn moreRevenue-Based Finance
Funding repaid as an agreed share of monthly revenue.
Typical use
Subscription, SaaS, recurring revenue
Learn moreBridge Funding
Short-term capital while a longer-term solution completes.
Typical use
Property, transactions, timing gaps
Learn moreExpansion Capital
Larger facilities to support new sites, contracts or hires.
Typical use
Roll-out, M&A, market entry
Learn moreStock & Inventory Finance
Buy stock ahead of demand without straining working capital.
Typical use
Seasonal stock, bulk orders
Learn moreEquipment Finance
Acquire the equipment your business needs, structured against the asset.
Typical use
Machinery, vehicles, fit-out
Learn moreHow it works
From enquiry to drawdown, without the friction.
- 01
Apply online
Submit basic details about your business and funding requirement. It takes under five minutes.
- 02
Review
Our funding team reviews your business and may request recent bank statements or trading information.
- 03
Offer
If approved, we structure a clear funding offer based on your business, revenue and repayment preferences.
- 04
Funding
Once documents are complete, funds can be released quickly — sometimes within 24 hours.
Use of funds
Capital deployed where it matters most.
Our clients use GDCapital funding across the full operating cycle — from day-to-day working capital through to long-term growth.
Business growth
Stock purchase
Payroll
Marketing
Cash flow
Equipment
Refurbishment
Tax / VAT bills
Emergency capital
New contracts
Expansion
Seasonal demand
The difference
A private lender, not a high-street bank.
GDCapital is built for UK SMEs that need decisions made by people, capital deployed quickly, and a structure that fits the business.
GDCapitalTraditional bank
Decision speedAs fast as 24 hoursWeeks, often months
UnderwritingHuman, business-ledAutomated, score-led
Repayment structureDaily, weekly or monthlyFixed monthly only
Capital sourceDirect private lenderDeposit-funded
ProcessNamed contact end-to-endBranch / call centre
Built for SMEsYes — sole focusRetail-led
Eligibility
Funding criteria.
Most UK SMEs with regular revenue and a short trading history can apply. Every business is reviewed on its own merits.
Every business is different. Even if you are unsure whether you qualify, our team can review your case quickly.
- UK limited companies, partnerships and established sole traders
- Usually 6+ months trading
- Regular monthly revenue
- Funding from £25,000 to £5,000,000
- Directors must be over 18
- Bank statements may be required
- Decisions subject to underwriting
Direct lender
Direct private lending, built for business owners.
At GDCapital, we provide funding directly to eligible UK businesses. Our process is designed to be fast, transparent and practical, giving business owners access to capital without unnecessary delays.
Private capital
We deploy our own capital, not someone else's panel.
Clear underwriting
Plain-English criteria. Every offer fully explained.
Fast execution
Streamlined process from application through to drawdown.
Relationship-led
Named contact through the life of your facility.
UK business focus
Built specifically around UK SME funding requirements.
Industries
Sectors we fund.
We work across a wide range of UK industries. If your sector is not listed, you can still apply — we review every business on its own merits.
Retail
Hospitality
E-commerce
Construction
Healthcare
Professional services
Manufacturing
Transport & logistics
Wholesale
Property-related
Franchises
Agencies
Case studies
Capital deployed across UK SMEs.
Illustrative examples of how UK businesses use GDCapital funding. Every facility is structured individually and outcomes vary.
£150,000
Funding facility
Use of funds
Stock purchase ahead of seasonal demand
Outcome
Funds released quickly, allowing the business to fulfil larger orders and capture peak-period revenue.
£350,000
Funding facility
Use of funds
Refurbishment and working capital
Outcome
Flexible funding structure allowed the group to complete venue upgrades without disrupting day-to-day operations.
£500,000
Funding facility
Use of funds
Inventory and marketing expansion
Outcome
Business accessed capital to support inventory and acquisition spend during a critical sales window.
Illustrative case studies. Past examples do not guarantee similar outcomes. All funding subject to underwriting.
Client feedback
What business owners tell us.
GDCapital understood our business quickly and gave us a clear funding option without wasting time.
M. Patel
Director, Retail Group
The process was straightforward, professional and much faster than dealing with our bank.
J. Hughes
Founder, Logistics Company
We needed capital quickly for stock. The team moved fast and kept everything clear from start to finish.
S. Ahmed
MD, E-commerce Business
FAQ
Questions, answered clearly.
If you can't find what you need below, our funding team is available to walk you through any aspect of the process.
Are you a direct lender?+
Yes. GDCapital lends its own capital directly to eligible UK businesses, rather than acting as a broker or introducer.
How much can I borrow?+
Facilities range from £25,000 to £5,000,000. The amount available depends on your trading history, revenue and affordability.
How quickly can I get funded?+
Indicative decisions are often available the same day. Where applications are approved and documents complete, funding can be released in as little as 24 hours.
Will applying affect my credit score?+
Submitting an enquiry does not affect your credit score. A formal credit search may be carried out later in the underwriting process, with your consent.
What documents do you need?+
Typically recent business bank statements, ID for the directors and, for larger facilities, recent management or filed accounts.
Do you fund businesses with existing loans?+
Yes. Many of our clients have existing facilities. Affordability and total exposure are reviewed as part of underwriting.
What industries do you work with?+
We consider a wide range of UK sectors including retail, hospitality, e-commerce, construction, healthcare, professional services and more.
Is there any obligation after applying?+
No. Applications are no-obligation. If we make an offer, you are free to decline.
What are the repayment options?+
Repayments can be structured daily, weekly or monthly, depending on the product and your trading profile.
Can I repay early?+
Yes. Early repayment is supported on most facilities. Any costs or rebates are clearly explained in your offer documents.
Ready when you are
Need funding quickly? Check your eligibility in under 60 seconds.
No obligation. No credit footprint at enquiry stage. A named member of our funding team will be in touch shortly after you apply.