Capital On Tap

Who we are

Capital on Tap has provided over £2 billion to help more than 120,000 UK businesses grow, and we are just getting started. Today, we provide business cards and loans but as the needs of our customers evolve, our product will too. However, our end goal is always the same: building simple tools for real world businesses to achieve great things.

Whether it’s to pay for stock, get through a slow month or fuel high growth, small businesses often require funding to survive and thrive. Yet, the traditional funding options have long forms, slow response times, opaque fees and rigid underwriting criteria. We’re here to solve that.

Our technology allows millions of businesses to access funding painlessly. Completing our quick application form does not affect your credit score and if approved gives businesses immediate access to competitive funding. We help business owners get back to what they love, their business.

Who we fund

We provide our customers who are trading with a credit facility of up to £100,000, enabling smaller retailers to access funds immediately. Customers are rewarded with funding rates as low as 0.79% per month based on repayment behaviour, whilst having access to their funds in minutes.

Why businesses like working with us

The online application processes (with no credit score impact!), instant decisions and quick access to funds bring our customers to us. They stay for our flexible fund usage (drawdown as cash, or spend on your card), account management portal, accounting platform integrations, and outstanding customer service.


"Very friendly and efficient service, does exactly what it says on the tin!"
"Brilliant service! Really helps with cash flow for my business, takes the pressure off waiting for invoices to get paid and allows me to trade a lot easier."
"Very easy to set up, good customer support, and fast access to funds."

Our Products

Business Credit Card