How our business credit card works

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Up to £100,000 in funding to grow your business in minutes

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Simple online account to manage your credit and employee cards

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Quarterly account reviews so your funding line grows with your business

We have now lent over £2 billion directly to small businesses in the UK.

Find out how we got there

lent to UK businesses

Business credit. Instantly.


*Checking your eligiblity will have no effect on your credit score
Easy-to-use customer portal to manage business funding

Getting started with Capital on Tap

  • Tick Icon Fill out our quick application form
    (it wonʼt affect your credit rating.)
  • Tick Icon Receive your decision in minutes
  • Tick Icon Sign up for your account
  • Tick Icon Get access to funding online instantly
    and your card within 4 business days
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What are the minimum criteria for an account?

  • Alarm Icon Turnover at least £2,000 per month
  • Alarm Icon No unsatisfied CCJs against you or your business in the last 12 months
  • Alarm Icon You are based in the UK

Why choose us

We've funded more than £2 billion to over 120,000 businesses in the past 6 years.

Fast application

Quick and simple application form that won't affect your credit rating.

Say goodbye to hidden fees

We do not charge any FX fees, ATM charges, or other monthly fees

Interest flexibility

Up to 56 days of interest free on card purchases
if you pay off your balance in full every month. Manage and make additional payments anytime.

Upgrade to Business Rewards

Earn rewards points on all card spend with Business Rewards. Redeem points for cashback and Avios.

Want to learn more about Capital on Tap?