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Quick application

in 2 minutes

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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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Reward yourself with

cashback or Avios

We have reached a fantastic milestone. We have lent £2 billion directly to small businesses in the UK. £2 billion and counting!

Find out how we got there

Lent to UK Businesses

Small business owner

We've helped more than 120,000 businesses all over the UK

Running a business is hard. We believe that accessing funding for your business shouldn't be complicated or time-consuming. See why we've helped over 120,000 businesses get funding to grow their business.

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 business profile, representative APR of 39.9%.

Leading accounting software integrated with Capital on Tap account

Run smooth with our accounting integration

We have integrated with all top accounting software to make it easier for you to run your business. 

Up to 20 supplementary cards with an individual spending limit on each

Get as many cards as you need to run your business

Get up to 20 supplementary credit cards for free for your employees and partners and set a spending limit for each card.


Use your Capital on Tap card with Apple Pay

You can use Apple Pay in stores wherever you see the contactless symbol, in apps and on the web. Reading this on an eligible device? Activate your card in Wallet now. 




Rewards program

Join our Rewards programme

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!


Avios are issued and redeemed in accordance with the British Airways Executive Club terms and conditions. See

Learn why our customers love us.

We have already helped over 100,000 businesses in the UK and add a new customer every 5 minutes. See how we can help you today.