Simple funding for sole traders &

Get a decision in minutes and instant access to funding

GET MY CARD NOW * We are currently not accepting applications from sole traders.
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2 minute application &

same-day decision

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Rates as low as

9.9% APR

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Up to 56 days

interest free

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Rewards yourself with

cashback or Avios

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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!

Easy-to-use portal for quick money transfers

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.

Capital on Tap credit card comes with no ATM or foreign transaction fees

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.

Interest rates lowered if good borrowing behaviour

Great rates as low as 9.9% APR

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


Accounting software integration

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

Earn points in Capital on Tap rewards programme

Earn rewards while building your business

Join Capital on Tap Rewards programme and earn 1 point for every £1 spent on your credit card. Redeem points for cashback or Avios and enjoy the things you love.

Learn why our customers love us.

We have already helped over 120,000 businesses in the UK and add a new customer every 5 minutes. See how we can help you today.