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Running a business is hard, we make it easier.

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Our mission

At Capital on Tap, our mission is to make running a small business as easy as possible. We understand that the day-to-day operations of a business can be challenging, which is why we've developed tools and resources that empower business owners to streamline their operations, access fast funding, and earn rewards.

So, if you're looking for a better way to run or grow your business – whether you’re an electrician wanting to buy supplies for your next job or a consulting company wanting to consolidate your team's spend – join the 200,000 businesses across the UK and the US that have placed their trust in Capital on Tap.

Rated excellent by our customers

4.9/5 icon Apple App Store

4.8/5 icon Google Play Store

4.7/5 icon Trustpilot

Capital On Tap Business Credit Card And App

Our history

We began as a small startup in London in 2012 with a vision of revolutionising the way entrepreneurs access finance. Through innovative technology, Capital on Tap has been providing fast funding to small businesses for over ten years, making their dreams become realities.

In 2021, we set our sights overseas and made Atlanta our American home, in partnership with WebBank.

Our business credit card is purpose built for small business owners. It makes it easy to access working capital, issue cards to other directors and employees, integrate with accounting software, and earn best-in-class rewards. Simply put, it makes running a business easier.


Our key milestones

2012

Capital on Tap is founded in London by CEO David Luck with the mission of providing small businesses with access to funding.

2013

As a provider of fixed-term loans for small businesses, we proudly lent to our first customer!

2014

We launched a bespoke underwriting system, allowing for quick applications and funding approvals.

2015

No more weekly repayments! We switched to monthly repayment cycles to make it easier for customers to access funds.

2016

We were absolutely thrilled to release the first version of the Capital on Tap business credit card!

2017

No fees? You got it! We removed all fees across our product portfolio and increased our credit limits to £50,000.

2018

We’ve lent £500 million to our customers! We also launched rewards, giving our customers the ability to earn points and cashback.

2019

The first version of our app was developed and we hit a huge milestone of having lent £1 billion to small businesses.

2020

We set up integrations with a wide range of accounting software providers and enabled Apple Pay to all customers.

2021

We set our sights across the pond and launched the Capital on Tap Business Credit Card in the US in partnership with WebBank!

2022

We celebrated our 10th birthday with a new look and hit over £4 billion worth of funding to more than 200,000 customers.

2023

We introduced our Team Management feature and launched our groundbreaking inaugural public securitisation facility, London Cards No.1. 

2024 

Our founder Dave became Executive Chairman, whilst Damian took the mantle as CEO! Plus, we hit £10 billion worth of funding to customers and launched Preloading.

Our achievements

FT EU FGC2025 Logo RGB White
Winner
Finder Business Cards Innovation Capital On Tap
Moneyfacts 5 Star Rating For Capital On Tap
FT 1000 Logo 2023
TCPA'23 Winner Of Best Service Business
Finder Lending Innovation Awards 2023
Capital On Tap OTTA Rocket List 2022
Capital On Tap Winner Lender Of The Year Altfi 2022
The Sunday Times Hundred 2022
Pay360 Awards Win For Capital On Tap
Global Business
FT Fastest Growing Companies Europe

Inspiring success stories from our customers

Over 200,000 businesses have signed up to Capital on Tap, so join the growing community of entrepreneurs who trust us to help them run and grow their businesses.

Read customer stories →

Neema Rai Founder And Owner Of Tamesis Dock.3 (1)

Neema Rai

Owner of Tamesis Dock

“Not only has my Capital on Tap Business Credit Card given me more time, but I’ve been able to give my staff more autonomy and authority while keeping an eye on our spending - plus all of the card benefits are a great bonus!”

Read more from our customers

Capital on Tap reviews

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Talk to Capital on Tap

An office floor full of people working on computers. 4 people are talking at the forefront

Want to be part of our growing team?

Are you passionate about improving the lives of small business owners? We are always looking for incredible people to add to our team in our offices across London, Cardiff, Atlanta, Edinburgh, Brighton and Manchester.

See our open roles here.

We’re here to help

If you're a customer, you can look at your spending, manage repayments, and update your details in your Online Portal.

Check out our FAQ for quick answers to our most asked questions.

Or, find where to contact us here.

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