How it works






Capital on Tap offer a flexible funding facility to help small businesses grow. Applying takes just 2 minutes and has no effect on your credit rating. Click below to check your eligibility today!




* Checking your eligibility will have no effect on your credit score



Capital on Tap offer a flexible funding facility to help small businesses grow. Applying takes just 2 minutes and has no effect on your credit rating. Click below to check your eligibility today!




* Checking your eligibility will have no effect on your credit score

Why choose us

We’ve funded over £100 million to over 25,000 businesses.
Find out why we’re the U.K’s No1 rated non-bank business lender on TrustPilot.

  • Fast application and funding Our application process takes 2 minutes and funds can be in your account within 2 business hours.
  • Be in control of your finances Our lending facility allows you to draw down as much credit as you need, at any time, from any device.
  • Rates improve with usage As you pay us back, we upgrade your star rating. Better rating mean better rates and larger available balances. 84% of our customers gain access to better rates in their first 2 months.

Applying with us

1
Fill in our 2 minute application form
2
We inform you of your approved funding limit within 1 business hour
3
We setup your account with
a short call
4
Draw down the funds your business needs

Once you've filled in your application you will be approved within 1 business hour and receive funds within 2 business hours.

Will I qualify

We look at each business on a case by case basis, however we do have some basic criteria we like all our customers to meet.

We will consider any business that doesn’t quite meet these criteria, so you should still submit an application. Applying doesn’t hurt your credit rating.

  • Your business should have at least 12 months of trading history
  • Your business should have a turnover of at least £24,000 per annum
  • There should be no unsatisfied CCJs against you or your business in the last 12 months

Pricing & terms

We offer a unique star system to all our customers. Your star rating determines your initial interest rate.

The more you use our service and the better your business performs, the more we can lend and at better rates.

We always aim to increase the star rating of our customers every month, or increase their available credit.

As such it really pays to use our service. 84% of our customers gain access to better rates or higher credit limits in their first 2 months.

Rates starting from
0.79%
Our rates range from 0.79% to 7.4% per month depending on your business profile. Additionally your rates of interest will improve the more you use our service and grow your business.

Simple Monthly Payments

Make your simple monthly minimum payment to keep your account active. Manage and make additional payments anytime using your online account.

See how we compare to other lenders

How we compare Simple
process
Approval & funding
available within 2 hours
Interest rates lower
with good behaviour
9.8 out of 10
on TrustPilot
Capital on Tap Y 2 minute application Y Approval within 1 business hour, funding within 2 business hours Y 84% of customers get lower interest rate within 2 months Y Highest rated non-bank lender in the UK
Other online lenders N 5-20 minute application N 24-48 hours before decision is made N No, fixed rates for the lifetime of your funding N Not one with a 9.8 rating
High street banks N Long application and in-office visit required N X - weeks before funding is available N No, fixed rates for the lifetime of your funding N

We have used capital on tap a few times now for different reasons, cash flow or capital expenditure. We have found the service to be extremely fast and first class with amounts to borrow variable to suit as is the repayment structure. An excellent service. Very glad we use them instead of traditional services.

Find out for yourself and see how we can help your business grow.