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DF Capital

Inventory-finance specialist and retail deposits

Overview

DF Capital is a UK-based specialist bank that provides working capital to businesses through commercial lending and personal savings for retail investors. Its core product is inventory (floorplan) finance, funding dealers’ stock so cash is released from order to sale, managed via the DF Connect online portal with DF Choice allowing asset-by-asset repayment. The bank funds itself by attracting retail deposits and has expanded into Structured Finance and, after FCA authorization, consumer hire purchase through its dealer network, backed by a digital platform and AI-assisted audits (DF Check). Its goal is to support UK SMEs by delivering reliable working capital, growth financing, and diversified funding, while expanding its dealer and manufacturer network and product set.

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About DF Capital

Simplify's Rating
Why DF Capital is rated
B+
Rated A on Competitive Edge
Rated A on Growth Potential
Rated C on Differentiation

Industries

Data & AnalyticsEnterprise SoftwareFintechFinancial Services

Company Size

51-200

Company Stage

N/A

Total Funding

$26.4M

Headquarters

London, United Kingdom

Founded

2016

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What believers are saying

  • H1 2026 profit before tax rose 49% to £13.4m, beating expectations.
  • Q3 2026 loan book reached £929m, while originations climbed 22%.
  • FCA-authorised DF Capital Retail Finance launched in 2025, opening consumer hire purchase.

What critics are saying

  • NIM slipped to 7.5% in H1 2026 as product mix broadened.
  • The new asset finance push remains small at £78m, exposing execution risk.
  • A retail deposit run would freeze funding and threaten the bank’s lending franchise.

What makes DF Capital unique

  • DF Capital dominated UK dealer floorplan finance, posting £1.1bn H1 2026 originations.
  • Its deposit-funded model lowered reliance on wholesale lines, with c.£1.0bn customer deposits.
  • DFRNT and structured finance broadened distribution beyond inventory lending in 2026.

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Funding

Total Funding

$26.4M

Above

Industry Average

Funded Over

1 Rounds

Lending Capital funding comparison data is currently unavailable. We're working to provide this information soon!
Lending Capital Funding Comparison Coming Soon

Benefits

  • Health Insurance
  • Paid Vacation
  • Paid Holidays
  • Gym Membership
  • Performance Bonus
  • Company Equity
  • Life Insurance
  • Disability Insurance
  • Employee Stock Purchase Plan

Company News

Insider Media
Feb 12th, 2025
Administrators of luxury yacht giant secure funding in move that retains 250 jobs - sale process launched for the iconic brand

The joint administrators of a luxury yacht manufacturer which employs 250 people have secured funding for the business and are seeking a buyer to take the brand forward.

FF News
Jan 14th, 2025
Df Capital Bank Appoints Fintilect

Fintilect, the specialist hyper-personalized digital banking software provider, has partnered with DF Capital to provide full online self-serve functionality for its suite of business savings accounts for small and medium sized enterprises (SMEs).The introduction of online functionality for these accounts follows the successful 2021 launch of full online functionality for DF Capital’s personal savings accounts.The accounts are now all powered by Fintilect’s low-code digital banking platform, which comprises a suite of pre-built, pre-integrated, easy to configure services designed to work alongside existing client systems.When live products are available, DF Capital’s business savings accounts can be accessed via the bank’s website, with easy access, notice and fixed rate deposit accounts forming the range, allowing for savings of £20,000 to £250,000. Eligible deposits with DF Capital are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme.The collaboration with Fintilect forms a key part of DF Capital’s digital growth strategy and marks a significant milestone in responding swiftly to customer feedback.Paul Atherton, Chief Technology Officer of DF Capital said: “DF Capital recognises the importance of 24/7 online banking functionality for both business and personal customers alike in today’s online banking world. We have therefore taken the decision to invest in our online offering across our entire product range to ensure it fully satisfies the most up-to-date, rigorous expectations of our entire client database.“Our partnership with Fintilect has resulted in the exact functionality that we need; a project that has been seamlessly delivered and executed flawlessly. We look forward to an ongoing strong relationship as we continue to innovate both now and in the future.”Rami Cassis, CEO, Fintilect, said: “We’re thrilled to be continuing our long-standing relationship with DF Capital, helping it to build even further its already strong presence in the market.“Fintilect developed the online functionality for DF Capital’s personal savers in 2021, a launch which resulted in strong customer satisfaction levels. We have now done the same for DF Capital’s business customers to ensure they, too, can apply for and service their accounts at any time of the day or night.”

British Business Investments
Sep 8th, 2023
British Business Investments announces £20m Tier 2 facility with DF Capital

British Business Investments announces £20m Tier 2 facility with DF Capital.

British Business Investments
Sep 8th, 2023
British Business Investments announces £20m Tier 2 facility with DF Capital - British Business Investments

British Business Investments today announces a new £20m Tier 2 facility for DF Capital. This investment will help DF Capital provide an additional £300m+ of new lending per annum, to existing and new UK SME vendors and dealerships.

Employee Benefits
Feb 8th, 2022
Distribution Finance Capital launches electric vehicle salary sacrifice scheme

DF Capital has launched an electric vehicle salary sacrifice scheme for its 95 employees.

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