Free expense tracking and management

Stop wasting time manually managing expenses. Let Capital on Tap's free, all-in-one spend solution make running your business easier by allowing you to:

  • Auto-sync with your accounting software
  • Track card spending in real time
  • Delegate financial management
Builder Holding Capital On Tap Business Credit Card (1) Min
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)

How Capital on Tap enables expense management automation

Capital on Tap makes tracking your expenses easy by automating key parts of the process. Here's how it works:

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Automatic accounting sync

Your business card transactions are automatically imported into your accounting software like Sage, Xero, and FreeAgent every day. No need to manually transfer data.

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Smart categorisation

Expenses are automatically sorted into categories based on where you spend. For example, purchases at an office supply store are listed under "Office Supplies." 

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Digital receipt storage

Easily upload receipts by taking a photo and attaching it to each purchase right in the Capital on Tap app. Wave goodbye to drawers full of receipts!

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Spend alerts

Get notified right away whenever someone pays for something via alerts on your mobile app. You can also set up customer alerts for spending limits. 

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Spending limits

Set maximum spending amounts for yourself and your employees to keep an eye on costs. Adjust the limits instantly if you need to make a bigger purchase. 

Clued Up Escape Rooms Square

The real-time spending notifications save me valuable time. I can effortlessly track expenses and avoid the tedious task of sifting through statements.

Andy Dunn
Owner of Clued Up! Escape Rooms
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Track all your business spending in one place

Manage all your business expenses from a single, centralised account. 

Use advanced filters to sort transactions by employee, amount, date, and more.

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Auto-sync with your accounting software

Easily connect with popular accounting software like Sage, Xero, FreeAgent, and more. Your card transactions will sync automatically every day, so you can set it and forget it.

Capital On Tap Business Credit Card Spend Controls

Customise spending controls

Set personalised spending limits for yourself and your employees, whether it’s a maximum amount per transaction or a monthly limit.

Get real-time alerts when spending approaches your chosen spend threshold.

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Rebecca Alford Finance Director At Capital On Tap

Good expense management is important for small businesses because it helps control costs, improve cash flow, and ensure every pound is used effectively. With our smart expense management tools, your business can run efficiently and focus on growing.

Capital On Tap Business Credit Card Team And Roles

Create users with personalised access

Delegate financial tasks with our team management tool.

You can grant customised access levels to your bookkeeper, accountant, or employees. Control exactly what each user can do and view within their account.

Capital On Tap Business Credit Card Transaction Details

Smart expense categorisation

Your Capital on Tap Business Credit Card automatically categorises expenses based on the merchant, making tax season easier.

Add personalised notes to any transaction for better expense tracking.

Capital On Tap Business Credit Card Receipt Upload

Attach receipts to transactions

Easily upload and store receipts within your account by attaching them to each individual transaction. 

Never lose a receipt again, and keep everything organised for tax documentation.

Capital On Tap Business Credit Card Transaction Notification

Real-time updates

Track expenses on-the-go with the Capital on Tap app. Track expenses on-the-go with the Capital on Tap app. Get up-to-the-minute notifications on all spend activity.

Stay informed about employee purchases anytime, anywhere. 

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Capital On Tap Virtual Credit Card Details

Manage payments with virtual cards

Create single-use virtual cards for specific purposes like subscriptions. Set spend limits, and deactivate cards instantly to maintain tight control over recurring payments.

Preloading Dashboard On Mobile And Capital On Tap Business Credit Card

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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4 out of 5 customers are very likely to recommend us to a friend

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Frequently asked questions

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

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

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

Expense tracking involves recording every business transaction to see where money is spent, while budgeting involves planning how money will be spent in the future.


Expense tracking helps analyse past spending, and budgeting sets financial goals and allocates funds for future needs. Both are essential for effective financial management.

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 because it helps businesses control costs, stay within budget, and understand their financial health.

Key reasons include:

  • Cost control: Identifies and reduces unnecessary expenses.
  • Budget compliance: Keeps spending within budget limits.
  • Financial visibility: Provides a clear view of financial health.
  • Strategic planning: Helps make smart investments.
  • Improved efficiency: Saves time for employees.
  • Fraud prevention: Helps to detect and prevent fraud.

Business expenses are the various costs incurred with running a business. Some expenses you could track include: 

  • Rent: Cost of renting office or commercial space.
  • Wages: Payments made to employees for their work, including salaries, wages, bonuses, and commission.
  • Utilities: Expenses for electricity, water, gas, internet, and other utilities.
  • Office supplies: Costs for stationery, printing materials, etc..
  • Inventory: The cost of purchasing goods or raw materials.
  • Marketing and advertising: Expenses related to promoting the business, such as advertising, social media, etc.
  • Travel and entertainment: Costs associated with business travel, meals with clients, or entertainment expenses.
  • Insurance: Premiums paid for business insurance, such as general liability.
  • Professional services: Fees for accountants, lawyers, or other specialised services.
  • Technology and software: Expenses forcomputer hardware, software, and IT services.
  • Repairs and maintenance: Costs for repairing and maintaining business equipment, vehicles, or facilities.
  • Taxes: Business taxes, including income tax, sales tax, etc.

These are just a few examples, and business expenses will vary depending on the type of business and its operations.

Consider using expense tracking software or apps. These tools automate many of the time consuming tasks involved with recording, sorting, and reporting expenses. In just a few clicks you can capture receipts, have expenses automatically sorted, and get insights into your spending - saving you time on manual data entry.

Page last reviewed on 11 June 2024

by Holly Woodward