Free expense tracking and management

Stop wasting time manually managing expenses and let Capital on Tap's free, all-in-one spend solution make running your business easier.

  • Auto-sync with your accounting software
  • Track card spending in real time
  • Delegate financial management
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1% cashback on all card spend

1% cashback on all card spend

No hidden charges or annual fees

No hidden charges or annual fees

Practical credit limits up to £250,000

Practical credit limits up to £250,000

Rates as low as 15.5% APR (variable)

Rates as low as 15.5% APR (variable)

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Track all your business spending in one place

Get a handle on your expenses with a centralised account and expense management platform. 

Advanced filtering options lets you quickly see transactions by cardholder, amount, date and more.

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Auto-sync with your accounting software

Connect with Sage, Xero, FreeAgent, and more to sync all card transactions with your accounting software. 

Sync daily automatically so you can set it and forget it.

Capital On Tap Business Credit Card Spend Controls

Set balance alerts and individual spend limits

Set personalised spending limits for transactions and total spend for you and your employees. 

Receive real-time notifications tailored to your chosen spend threshold.

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Capital On Tap Business Credit Card Team And Roles

Create users with personalised access

Delegate your financial management with our team management tool.

Effortlessly customise access for your bookkeeper, accountant, and employees with team management, tailoring permissions to fit your unique business needs.

Capital On Tap Business Credit Card Transaction Details

Categorise and add notes to transactions

Your Capital on Tap Business Credit Card auto-assigns expenses based on merchants, simplifying your taxes.

Add personalised notes to any transaction for even more efficient expense tracking, and simplified bookkeeping.

Capital On Tap Business Credit Card Receipt Upload

Attach receipts to transactions

Never lose a receipt again. Seamlessly attach receipts to individual transactions on your account. 

Stay organised, simplify expense tracking, and streamline tax documentation for your small business.

Capital On Tap Business Credit Card Transaction Notification

Real-time notifications

Track expenses on-the-go with the Capital on Tap app. Real-time notifications keep you informed anytime, anywhere.

Manage yours and employees' spending effortlessly.

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Capital On Tap Virtual Credit Card Details

Manage payments with virtual cards

Create dedicated cards for specific purposes, set spend limits, and terminate the card to manage subscription payments swiftly. 

Effortlessly manage payments and stay within your budget using our free virtual cards.

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Export your transaction data

Empower your employees with hassle-free business expenses. No more waiting for petty cash or reimbursement. 

Give them the freedom to purchase what they need to get the job done, at no additional cost.

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Preload your balance

Facing a £75,000 expense with a £50,000 limit? Simply preload your balance with a £25,000 payment to close the gap. Not only do you gain the power to complete your purchase, but you also earn 1% cashback on the entire transaction. 

Manage all your business expenses conveniently in one place while boosting your spending power.

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Frequently asked questions

Expense tracking means keeping a record of your business spending. This helps small business owners work within their budget and make smart investments.

Tracking expenses is crucial for small business owners as it helps them control their finances and stick to budgets. Tracking expenses also enables informed decision-making when investing in business growth and identifying cost-saving opportunities. 

By diligently monitoring and recording expenses, you can optimise your financial management and pave the way for long-term success.

Expense tracking involves monitoring and recording individual business transactions to understand where money is being spent. It helps to keep a detailed record of expenses and allows businesses to analyse spending patterns. 

On the other hand, budgeting is the process of setting financial goals, allocating funds for different categories, such as marketing or travel, and planning how money will be spent in the future. It helps businesses to create a roadmap for their finances and ensure they stay within their financial limits. 

In summary, expense tracking looks at past spending, while budgeting focuses on planning future spending. Both are essential for effective financial management in any business.

Expense management is the way businesses handle and control their expenses. It involves tracking, analysing, and optimising spending to be more efficient, reduce costs, and make better financial decisions. This helps businesses stay on budget and have a clear view of their finances.

Expense management is important for several reasons:

  • Cost Control: It helps businesses identify unnecessary or excessive expenses, allowing them to reduce costs and operate more efficiently.
  • Budget Compliance: Effective expense management ensures businesses stay within their budget limits and financial goals.
  • Financial Visibility: By tracking and analysing expenses, businesses gain a clear view of their financial health, enabling informed decision-making.
  • Strategic Planning: With a better understanding of spending patterns, businesses can make strategic investments and allocate resources more effectively.
  • Regulatory Compliance: Expense management ensures adherence to financial policies and regulations, reducing the risk of non-compliance.
  • Improved Efficiency: Streamlining expense processes saves time and effort for employees, enabling them to focus on core business activities.
  • Negotiation Power: Better expense data allows businesses to negotiate better deals and discounts with suppliers and vendors.
  • Fraud Prevention: Expense management systems can detect and prevent fraudulent activities, safeguarding business finances.

Overall, expense management empowers small businesses to optimise their financial resources, make informed decisions, and maintain financial stability and growth in the long term.

Some business expenses you should be tracking include: 

  • Office Rent: The cost of renting office space or a commercial property for business operations.
  • Salaries and Wages: Payments made to employees for their work, including salaries, wages, bonuses, and commissions.
  • Utilities: Expenses for electricity, water, gas, internet, and other utilities required for business operations.
  • Office Supplies: Costs for stationery, printing materials, and other essential supplies needed in the workplace.
  • Inventory: The cost of purchasing goods or raw materials for resale or production.
  • Marketing and Advertising: Expenses related to promoting the business, such as advertising campaigns, social media marketing, and promotional materials.
  • Travel and Entertainment: Costs associated with business travel, meals with clients, or entertainment expenses.
  • Insurance: Premiums paid for business insurance coverage, such as general liability, property, or workers' compensation insurance.
  • Professional Services: Fees paid to accountants, lawyers, or other professionals hired to provide specialised services.
  • Technology and Software: Expenses for purchasing and maintaining computer hardware, software licences, and IT services.
  • Repairs and Maintenance: Costs for repairing and maintaining business equipment, vehicles, or facilities.
  • Taxes: Business taxes, including income tax, sales tax, and payroll taxes.

These are just a few examples, and business expenses can vary significantly depending on the type of business and its operations. Proper expense tracking and management are essential to ensure financial stability and growth.

Using business expense tracking software can make managing your business finances easier. Many software tools and expense management platforms can simplify the expense management process, and reduce administrative burden by being a centralised platform to store and manage expense data, providing a single source for financial records.

Page last reviewed on 19 March 2024

by Lily Winnan