Simple funding for sole traders & freelancers

Get a decision in minutes and instant access to funding.

*Applying for a card will not affect your credit score

  • 2-minute application and same day decision

    2-min application &
    same-day decision

  • Rates as low as 9.99% APR

    Rates as low as
    9.9% APR

  • Unlimited free FX and ATM withdrawals

    Unlimited free FX and
     ATM withdrawals

  • Avios and cashback rewards

    Cashback and Avios


lent to UK businesses

We have reached a fantastic milestone. We have lent

1 billion pounds directly to small businesses in the UK.

1 billion and counting!

We’ve helped more than 20,000
sole traders and freelancers all
over the UK.

Being self-employed is hard but getting funding shouldn’t be! Come and see for yourself how we can help sole traders and freelancers like you get the funding you need to grow!

Credit card dedicated to freelancers and self-employed

Cash or card? Your choice.

You control how to use your funding. Spend on your self-employed credit card or send the funds straight to your high street bank account.

Use your funds as credit cards or transfer money anytime

Say goodbye to terrible fees.

We don't charge any FX, ATM, or other hidden fees and, if you pay your balance in full, you won't pay any interest on your card purchases

No UK ATM fees or FX charges

Great rates as low as 9.9% APR.

Actual rate may vary based on your profile, representative APR of 39.9%.

Rates as low as 9.99% APR and lower if balance paid on time

Run smooth with Xero

Tools to easily manage your finances so you can focus on what you love.

Easy finance management with Xero integration

Upgrade to Business Rewards.
Earn reward points on all card spend that you can redeem for cashback and Avios.

Earn 1 point for every £1 of card spend. Redeem 1 point for 1p (1% cashback) or 1 Avios. £99 upfront annual fee. 10,000 bonus points that you can redeem for £100 cashback or 10,000 Avios when you spend £5,000 on your card in your first 3 months.
Sign up today!

Upgrade your card to rewards credit card and earn points

Learn why our customers love us.

We have already helped over 20,000 sole traders and freelancers in the UK and add a new customer every 5 minutes. See how we can help you today.

Want to learn more about Capital on Tap?