About Capital on Tap
At Capital on Tap, we realize that running a business is hard. Accessing funding for your business shouldn't be time-consuming and complicated. We offer simple, easy credit solutions for small businesses in the UK.
Traditional funding options have slow response times, rigid underwriting criteria and opaque fees, making it difficult and sometimes impossible for a small business to get finance. We offer a solution to those problems.
We believe in building simple tools for real-world businesses to realize their potential and achieve great things. Whether it is to get through a slow month, having to pay for stock or fuel high growth, most small businesses require funding to thrive and survive.
Capital on Tap has provided over £1.5 billion and helped more than 100,000 businesses to grow. Our goal is simple, providing financial relief for small businesses to grow, thrive and survive. And to make the process as easy as possible by taking the complexity out of business finance.
Making it easier to manage your business
Businesses can spend up to 120 days per year on administrative duties. From expense management to taxes, all of this keeps business owners away from improving and running their business. We understand that business owners want to spend their valuable time focusing on their business and growth.
Capital on Tap Services
Getting finance for your business from Capital on Tap is easy and quick. Filling out our application online takes 2 minutes and won’t affect your credit rating.
You will receive a decision in minutes. Once you sign up for your account, you get instant access to funding and your card will be delivered within 4 business days.
Information we will need
Using our online application form we will need basic business and personal information. If your business is a limited company, please have your registration number available.
Once the loan application is completed, our business compliance team will check that all conditions are met and you will receive your business card.
Self-employed individuals welcome
Funding shouldn't be hard just because you are self-employed. At Capital on Tap, we help sole traders and freelancers to get the funding they need to grow. We offer higher limits than a personal credit card and flexible repayment options with great rewards.
You will be in control of how you use your funding. You can spend on your self-employed credit card or send the funds to your bank account. You will have access to all the features we offer to small business owners.
Capital on Tap Product Details
- Loan Type Business loans
- Interest Rate 9.9 – 22.9% p/a
- Loan Amount up to £50,000
Benefits of Capital on Tap
- Apply online in 2 minutes
- Low-interest rates
- 56 days interest-free
Capital on Tap has reliable and affordable business loans
We strive to make it easier for you to obtain finance for your business and offer extra rewards with your Capital on Tap card.
- Interest rates from as low as 9,9% APR (22.9 representative APR)
- Credit limits up to £50,000
- Up to 56 days' interest-free credit.
- Up to 20 free supplementary cards.
- Regular account reviews. This can lead to credit limit increases and interest rate reductions.
- Integrations with accounting software packages so you can manage your business the easy way.
- Cashback rewards with Avios. To qualify for these rewards, you will have to upgrade to one of our Rewards schemes.
- We do not charge any ATM, FX or other hidden fees.
- If you pay your balance in full there will be no interest charged on your card purchases.
High-end banks have very strict qualifying criteria when it comes to business finance. This makes it next to impossible for a lot of small businesses and self-employed individuals to access funding for their businesses.
We keep the requirement as simple as possible. You or your business need to meet the following criteria to qualify for a Capital on Tap credit card.
- Your business needs to show a turnover of £2,000 per month.
- There cannot be any unsatisfied CCJs against you or your business in the last 12 months.
- You and your business need to be based in the United Kingdom.
Use of your card
As soon as you have completed your account set up and have activated your card online, you can start accessing your credit. You can use your card to make purchases at any merchant in the UK or worldwide that accepts Mastercard/Visa. You can make withdrawals from any ATM. The daily withdrawal limit is two transactions and limited to £400 per day.
Your card can also be used for online or telephonic purchases. The merchant will need your name, 16-digit account number printed on the card, the card type, and expiry date. Your CVV number will also be required. You can make up to 15 transactions per day on your card.
Repayments on your card
To best suit your preferences, we offer three different payment options. You can pay the Full Balance, Minimum Monthly amount or a Fixed Amount. Of you choose the Minimum Monthly payment option you will need to pay 10% of your outstanding balance or £100 – whichever amount is greater.
By logging into your account you can change your repayment option at any time during your billing period. Although a direct debit is the simplest way to pay, you can also make a debit card payment from the online portal.
Capital on Tap is a trusted & reliable provider of business loans
In our review, Capital on Tap adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.
Capital on Tap is a registered credit provider in the UK; FCA number 625592
Customer Reviews & Testimonials
If I knew it was this easy to obtain funds for my small business, I would have been able to grow my business so much faster. Thank you for helping me do that now
— Hamshire —
Getting a card from Capital on Tap made managing my business so much easier.
— Poole —
Capital on Tap Contact Details
- Fourth Floor, 70 Wilson St London EC2A 2DB United Kingdom
- Get Directions
- Monday 09:00 – 18:00
- Tuesday 09:00 – 18:00
- Wednesday 09:00 – 18:00
- Thursday 09:00 – 18:00
- Friday 09:00 – 18:00
- Saturday 09:30 – 17:30
- Sunday 09:30 – 17:30