Capital On Tap


Who we are

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. Our quick and simple application to access competitive funding allows business owners to get back to what they love, their business.

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 credit 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.

Our products

We offer two business credit cards to customers:

Capital on Tap Business Credit Card – Free

  • 1% cashback for every £1 of card spend
  • Credit facility of up to £100,000
  • Up to 56 days interest free on card purchases
  • No FX or UK ATM charges
  • Up to 10 free supplementary cards

Capital on Tap Business Rewards Credit Card – £99 / year

  • 1% cashback or 1 Avios for every £1 of card spend
  • Credit facility of up to £100,000
  • Up to 56 days interest free on card purchases
  • No FX or UK ATM charges
  • Up to 20 free supplementary cards

Who we fund

We provide SME limited companies and LLPs with credit facilities of up to £100,000. 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 quick and easy online application processes (with no credit score impact!), instant decisions and quick access to funds bring our customers to us. They stay for uncapped 1% cashback, flexible fund usage (drawdown as cash, or spend on your card), account management portal, accounting platform integrations, and outstanding customer service.

Our Products

Business Credit Card

Business Rewards Credit Card

GET FUNDED