Unlock control over your cash flow with Preloading

Capital on Tap Business Credit Card

Our business credit card lets you make purchases on credit, track expenses and build a separate credit history. 

Cash flow can be aided with our Preloading feature, as you can top up your credit card balance with your own funds, and then use those preloaded funds together with your credit limit.

Rewards are available across all card spend, including 1% cashback, so you can maximise your spending power.

Your card should only be used to pay for business expenses such as travel costs, office supplies or invoice payments.

Business Bank Accounts

A business bank account functions much like a personal account, except it’s only used for business transactions. 

It can be used to send and receive money for things like sales invoices, as well as set up standing orders for monthly bills, including salary payments.

Unlike credit cards, your balance will be solely dependent on your cash flow, alongside the overdraft facility offered by your bank, if available.

Capital on Tap Business Credit Card

To make use of all our card features, including Preloading, apply for our business credit card today. 

Our application is quick and straightforward. We’ll ask for basic business and personal information including your registered number before carrying out a credit check. We’ll then give you a decision in 2 minutes that means you can start spending instantly with a virtual card.

Business Bank Accounts

When setting up a business bank account, your bank is likely to run a credit check to determine if you’re eligible. 

To apply you may need to provide a range of documents relating to the type of company you’re running, such as company registration, identification, and possibly financial statements. The process will vary depending on the institution.

Some providers may also require a minimum turnover to be eligible for their product.

Capital on Tap Business Credit Card

There’s no annual fee for our Free Rewards card, as well as no FX or ATM fees. 

With unlimited, free employee cards included, you don’t have to worry about any hidden charges either.

Business Bank Accounts

This can vary by the provider you choose, so it’s important to check for any monthly fees or additional costs incurred on transactions or overdrafts.

Capital on Tap Business Credit Card

Capital on Tap integrates with popular accounting software like Sage, Xero, QuickBooks, and FreeAgent, so we can seamlessly connect to your current provider.

Enjoy daily auto-syncing, categorised expenses, and up to 90 days of historical syncing.

Business Bank Accounts

Accounting software can be linked with your business bank account to track invoices and expenses. 

Some providers include this software as part of their account, while others require a separate subscription.

Capital on Tap Business Credit Card

With the Capital on Tap Business Credit Card, you can enjoy a range of rewards, including earning 1% cashback on all your card spending, whether it's from your credit limit or preloaded funds.

You can redeem your points for gift cards from leading retailers like Amazon, John Lewis, Tesco, and Airbnb, or even convert them to Avios*.

Business Bank Accounts

Business bank accounts primarily focus on essential services like depositing funds and making payments. So rewards points are not typically accumulated, however, some accounts offer interest on your account balance. 

They may also offer additional perks like free transfers or discounts on other banking products the provider offers.

Capital on Tap Business Credit Card

If you become a Preloading customer with us, any funds that take your account into credit will be treated as E-Money and be subject to the safeguarding requirements set out in the Electronic Money Regulations. We are authorised as an E-Money Institution with the FCA.

Capital on Tap is not a bank and your funds are not protected in the same way that a bank would protect your funds. Instead we place these funds into a separate bank account that protects your money and allows its safe return to you in the event that Capital on Tap becomes insolvent or otherwise closes down.

Business Bank Accounts

Business bank accounts are protected by the Financial Services Compensation Scheme, so up to £85,000 will be covered should your bank close down. This offers a level of reassurance that somewhat mitigates the risks associated with banking.

However, it’s important to note that while this protection is in place, business bank accounts still come with various fees, and the compensation scheme has its own terms and conditions that businesses should be aware of.

Capital on Tap Business Credit Card

Contact us at any time to talk to a real person who'll answer in 10 seconds or less. Our support lines are open 24/7 to assist with any questions or concerns. You can get in touch via chat, email, or phone.

Business Bank Accounts

Support can vary according to the bank you use. Help is often available in different forms, including chat, email or phone.