Enjoy practical credit limits up to £250,000

Capital on Tap Business Credit Card

Our business credit card works in the same way a personal credit card does. We offer credit limits up to £250,000, and once approved you can use your card for all business purchases.

On top of this, you can track expenses and build a separate credit history for your company.

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

There’s no need to re-apply for more credit at a later date either. We continually review accounts to see if we can provide better interest rates or higher credit limits, and we’ll be in touch if we’re able to do this.

Business Loans

Business loans are provided to businesses for specific purposes like purchasing new premises or hiring new employees.

Typically they’re used for larger, one-off purchases and you’ll often need to provide the reason for your loan when applying. Once approved you’ll have an agreed interest rate and repayment terms.

When your loan is paid off, your credit is exhausted, so you’ll need to apply for a new loan if you want to borrow more in future.

Capital on Tap Business Credit Card

You can apply for the Capital on Tap Business Credit Card online today.

Our application is quick and straightforward. We’ll ask for basic business and personal information including your company registration number before carrying out a credit check. There’s no need to tell us exactly what you intend to spend your credit limit on.

We’ll then give you a decision in up to 2 minutes which means you can start spending instantly with a virtual card.

Business Loans

When applying for a business loan you’ll need to tell the lender the intended purpose of the requested funds.

Your prospective lender is then likely to review your credit report as evidence of your capacity to repay the borrowed amount.

Typically this process can take a few days to weeks to be approved.

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 incurring any hidden charges either.

We provide up to 42 days interest-free on card spending.

Multiple repayment options are available, including weekly full balance and monthly minimum payments. We’ll schedule direct debits based on your choice and there are no penalty fees for repaying early.

Business Loans

Business loans typically accrue interest immediately.

You may have to agree to a fixed monthly cost for repayments, so there could be penalties if you pay off your debt early.

Additionally, arrangement and set-up fees may vary by lender.

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 Loans

Rewards can vary by lender, but as  business loans primarily focus on larger scale cash injections, rewards points are not typically accumulated.

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 Loans

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