2012
Capital on Tap is founded in London by CEO David Luck with the mission of providing small businesses with access to funding.
2013
As a provider of fixed-term loans for small businesses, we proudly lent to our first customer!
2014
We launched a bespoke underwriting system, allowing for quick applications and funding approvals.
2015
No more weekly repayments! We switched to monthly repayment cycles to make it easier for customers to access funds.
2016
We were absolutely thrilled to release the first version of the Capital on Tap business credit card!
2017
No fees? You got it! We removed all fees across our product portfolio and increased our credit limits to £50,000.
2018
We’ve lent £500 million to our customers! We also launched rewards, giving our customers the ability to earn points and cashback.
2019
The first version of our app was developed and we hit a huge milestone of having lent £1 billion to small businesses.
2020
We set up integrations with a wide range of accounting software providers and enabled Apple Pay to all customers.
2021
We set our sights across the pond and launched the Capital on Tap Business Credit Card in the US in partnership with WebBank!
2022
We celebrated our 10th birthday with a new look and hit over £4 billion worth of funding to more than 200,000 customers.
2023
We introduced our Team Management feature and launched our groundbreaking inaugural public securitisation facility, London Cards No.1.
2024
Our founder Dave became Executive Chairman, whilst Damian took the mantle as CEO! Plus, we hit £10 billion worth of funding to customers and launched Preloading.
2025
We launched our business savings account, powered by ClearBank, and hit over £20 billion worth of funding to customers!
