DF Capital

DF Capital Bank Limited was incorporated on 25 May 2016 as Distribution Finance Capital Ltd and is based in Manchester. The group now operates through DF Capital Bank, DF Capital Retail Finance and DF Capital Financial Solutions.

The bank provides commercial finance, retail finance and savings products. Its commercial lending activity includes inventory finance, structured finance and asset finance, with a focus on industrial, marine, specialist automotive and related sectors.

DF Capital’s strongest recent growth has been in specialist lending: in 2025, its loan book reached £846 million, supported 1,522 borrowers and generated £90.9 million of revenue. For an applicant, this points to a smaller, growth-oriented bank where credit, relationship management, operations, technology and product development are closely connected.