Speed of execution
Same-day credit decisions are the standard, not the exception. Funds typically settle within 24 hours of acceptance, frequently on the same working day.
Decision returned
Credit desk live020 3051 9189
LON · NYCSpeak to the desk
Capital, structured around how your business actually trades.
Working capital and growth facilities from £5,000 to £5,000,000 for UK businesses. Principal-led underwriting, transparent terms, and a named relationship manager from enquiry through to drawdown.
Prefer to talk? Call us now
020 3051 9189
£1.4bn+
Origination since 2014
2,800+
Active facilities
4 hrs
Median time to decision
20+
Sectors covered
Capital deployed
Trailing twelve months
Q3Q4Q1Q2Q3
Why GD Capital
Flexibility should work both ways.
Cash flow is the engine of every business we work with. So we built our facilities around the way you actually trade, not a template designed for somebody else. Fast funding, fair terms, and a team that picks up the phone.
Apply in minutes, no obligation
Soft check, no credit footprint
A named account manager
No surprise fees, ever
Facility approved
Ready to draw
Step 3 of 3Cleared
Your lead
EW
Eleanor Whitman
Replies under an hour
Live decisioning
A real underwriter on your file, not a black-box algorithm.
Same-day funding
Funds, today
Accept your offer before 3pm and funds typically land before close.
Our position
When the bank says no, we say yes.
Established UK businesses are routinely turned away by the high street for reasons that have nothing to do with the strength of their trading. We underwrite on cash flow, customer book and trajectory, not a single bureau score, and we return a decision the same day.
Outcomes referred from the high street
Funded by GD Capital72%
Restructured with the desk18%
Declined10%
Indicative of files received via professional introducers, trailing twelve months.
Capital products
Built for the cash cycle of real businesses.
Two flagship facilities calibrated to revenue and card receipts, supported by term and short-dated structures. Pick the structure that fits, or let the desk recommend the blend.
Flagship · 01 Revenue linked
£25k – £5MRevenue based financing
Repayments calibrated to top-line cash receipts. Service rises in stronger trading months and eases in slower ones.
Repayment vs monthly revenueSynced
Revenue Repayment
- Service
- % of receipts
- Verification
- Open Banking
- Tenor
- Flexible
Explore productLive · soft check
Flagship · 02 Card linked
£5k – £1MMerchant cash advance
Advance against future card receipts. Built for hospitality, retail and consumer-facing operators with consistent terminal volume.
Daily card receiptsOn schedule
MonWedFriSun
- Service
- % of card take
- Settlement
- Daily
- Commitment
- No fixed monthly
Explore productLive · soft check
03 · Term loans
Term loans
Fixed-term capital with predictable amortisation. For investment cases you can model a year or more ahead.
Fixed schedule · principal vs interest 24 mo max
M01
M06
M12
M18
M24
Principal Interest
- Tenors of 3 to 24 months
- No early settlement fee
04 · Bridging
Unsecured bridging
Short-dated, unsecured capital to bridge a contract, an inventory cycle, or a time-sensitive opportunity. No asset security required.
24h
to fund
- DecisionSame day
- Drawdown≤ 24 hrs
- SecurityNone
- Same-day credit decision
- No security required
Not sure which facility fits?
Our desk will model the structure most efficient for your cash cycle.
How it works
A business facility through GD Capital, end to end.
Three steps. A short application, a real reviewer, and a clear yes or no. We will always give you an initial decision straight away, with no impact on your credit file.
01
Submit an enquiry
Outline the facility required and a short profile of the business. Two-minute submission, soft-footprint check only, no impact on your credit file.
02
Principal-led review
A named relationship manager works the file with our credit team and returns a structured offer in plain English. Underwriting weighs cash flow, repayment history and forward order book, not a single bureau score.
03
Drawdown
On countersignature, funds typically settle to your business account the same working day. Your relationship manager remains your single point of contact through the life of the facility.
Benefits
The reasons owners choose GD Capital.
A short list of operating principles, applied to every facility we write.
Facility flexibility
Draw, repay and re-draw against your facility as the operating cycle requires. Top-ups and uplifts considered as the business scales.
No early settlement penalty
Settle the facility on your timetable. Across the majority of our products there is no early settlement charge, only interest accrued to the date of repayment.
Principal-led underwriting
Every file is read by a credit professional. We weigh cash flow, repayment history and forward order book, not a single bureau score.
Hi, can you walk me through the offer?
Absolutely. When works for a quick call?
Sarah is typing
Sectors
A desk for every kind of business that keeps Britain trading.
01
Hospitality
Pubs, restaurants, hotels
Sector desk
02
E-commerce
DTC, marketplaces, SaaS
Sector desk
03
Construction
Trades and developers
Sector desk
04
Healthcare
Dental, pharmacy, clinics
Sector desk
05
Retail
High street and multi-site
Sector desk
06
Manufacturing
Production, food, fabrication
Sector desk
07
Professional services
Agencies, law, accountancy
Sector desk
08
Logistics
Fleet, courier, haulage
Sector desk
FAQ
Business funding, answered.
The questions owners ask before they apply.
Who is eligible?
UK-based limited companies, LLPs and partnerships, trading for at least six months, with a UK business bank account and a minimum monthly turnover of around £10,000. Sole traders are considered for selected products.
How much can I borrow?
Facilities range from £5,000 to £5,000,000. The amount available depends on your turnover, trading history, sector and the product that fits best. We will always tell you what is realistic before you commit to anything.
How quickly can I get funded?
Most decisions come back the same day. Funds typically settle to your business account within 24 hours of acceptance, often the same working day.
Will an eligibility check affect my credit score?
No. The initial check is a soft footprint search and leaves no mark on your business or personal credit file. A full credit search is only run once you have reviewed and accepted an offer.
Can I repay my facility early?
Yes. There are no early settlement penalties on the majority of our products. Pay it down when you are ready, save the interest, and the relationship is open for next time.
What can I use the funding for?
Stock, hiring, equipment, a new site, bridging a contract payment, refinancing existing borrowing, marketing, or the opportunity that simply will not wait. If it grows the business, we will consider it.
Can’t find what you’re looking for? Contact us directly.
What owners say
Trusted by UK owners who do not have time for the runaround.
Excellent
Verified reviews from owners
Verified
Stood with us through a soft quarter
“When receivables stretched, GD Capital worked the file with us rather than withdrawing support. A genuinely commercial relationship.”
Verified
Responsive at every stage
“From first call through drawdown, the line of communication stayed open. Our relationship manager was reachable when it mattered.”
Verified
Same-day settlement, no friction
“Funds settled the same working day as countersignature. Precisely what is required when timing is the constraint.”
Verified
A commercial, well-informed conversation
“They took the time to understand the operating model. The decision returned the same afternoon and the terms held as discussed.”
Verified
Bridged a contract we could not let slip
“A short-dated facility inside 48 hours funded the inventory. Settled early with no penalty once the customer paid down.”
Verified
Disciplined process, transparent terms
“Costs and covenants on a single page, no surprise charges, and a team that answers the phone. We would refer them without hesitation.”
Use cases
What can you use business funding for?
A few of the moments owners come to us. If yours is not on the list, the answer is usually still yes.
- Inventory build for peak trading
- Hiring ahead of revenue
- Opening a new site or location
- Capital expenditure and equipment
- Bridging a contract receivable
- Refinancing existing facilities
- Marketing and demand generation
- Time-sensitive acquisition or opportunity
Global presence
Two offices, one desk, capital that crosses the Atlantic.
A London-headquartered team with a New York presence on Fifth Avenue. Wherever your business trades, our deal desk is awake.
Headquarters
London
Americas desk
New York
Recently published
Fresh guides from the GD Capital desk
Practical, UK-specific writing on business funding, eligibility, cash flow and tax — updated as the market moves.
Guide · 7 min read
Management buyout funding for UK SMEs: how the deal actually gets financed
A structural guide to funding a UK management buyout: how the price gets built up from cash-flow lending, secured layers, vendor loan notes and management equity — and where each piece comes from.
Read guide →
Guide · 7 min read
Property development finance for UK builders: structure, drawdown and exit
A practitioner's guide to UK property development finance for SME builders: how the stack is layered, how drawdowns work against surveyor valuations, and how the exit is planned from day one.
Read guide →
Guide · 8 min read
7 business funding options for fast UK growth plans
Seven UK funding routes for SMEs planning fast growth — what each is best for, what it costs, how quickly it deploys, and where each fits in a growth plan.
Read guide →
Guide · 7 min read
Business expansion loans for growing UK SMEs: sizing, structure and speed
A practical guide to funding UK business expansion: choosing the right structure for the growth thesis, sizing the facility, and getting through underwriting cleanly.
Read guide →
Guide · 6 min read
Seasonal business funding for UK trading peaks: how to fund a busy quarter
A practical playbook for funding a UK seasonal peak: sizing the facility, choosing the repayment shape that matches the peak, and getting funds landed before demand does.
Read guide →
Free tool
Business loan calculator
Model repayments, total cost and monthly service for facilities from £5k to £5M.
Open calculator →
Get started
Fast, reliable, trusted by owners across the UK.
Two minutes to apply. Soft check only. A real indication of the funding available to your business, not a generic estimate.
Apply todayNo impact on your credit score