Contracts do not have a minimum term period and each item used to raise finance can be redeemed (on loan repayment) at any point within the 7-month contract.

Interest is charged from the date of the loan and then occurs the same date the following month throughout the period of the contract.

Items pledged (used to raise a loan) remain with Gap Capital Ltd throughout the time of the contract but remain the property of the client pledging the item until the contract expires.

Gap Capital Ltd consider any item of value. Clients must have full marketable title (free of encumbrances of any kind) to each item they wish to borrow against.

As we are regulated by the Financial Conduct Authority, all our contracts are for the term of up to 7 months. After 7 months, the client can extend the loan contract. The client must pay in full all interest that has accrued. When we have received payment, we can then renew the contract for a further 7 months, under the same terms.

ID Requirements

To register with Gap Capital Ltd we require that all new clients have photographic ID (passport, identity card or driving licence) and proof of current address (a council tax or utility bill no less than three months old).

We do not share this information with any third party. We do not run credit checks before approving a loan, and loans from us will not affect your credit rating. All loan transactions are private and confidential.

Data Protection

Gap Capital Ltd understands that confidentiality and privacy is of the utmost importance to all clients. Information we collect is used to fulfill our statutory obligations.

Information collected and recorded is confidentially and securely stored, and used entirely for in-house purposes and is strictly private.

Gap Capital is regulated by the Financial Conduct Authority. Registration No 723415.  The Financial Conduct Authorityof 25 North Colonnade, London E14 5HS is the supervisory authority under the Consumer Credit Act 1974.

The registered business address of Gap Capital Ltd is 44 Orange Row, Brighton, BN1 1UQ.

Our contracts are governed by the law of England and Wales unless you reside elsewhere in the United Kingdom, in which case your local law will prevail.

All loan transactions are private and confidential. Gap Capital Ltd specialises in loans against fine jewellery, diamonds, fine watches, art, fine antiques, luxury cars, private plates and vintage wine.